IFSC Code of Jammu and Kashmir Bank Limited, Nyoma Branch, Jammu and Kashmir

If you are searching for the IFSC code of Jammu and Kashmir Bank Limited, NYOMA branch in LEH, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is JAKA0NYOOMA. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the NYOMA branch, and detailed step-by-step guides for using the IFSC JAKA0NYOOMA across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, JAKA0NYOOMA is the IFSC of Jammu and Kashmir Bank Limited's NYOMA branch. The format is fixed: JAKA = bank code, 0 = reserved, NYOOMA = branch identifier.

About the bank

Jammu and Kashmir Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nyoma branch in Leh, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0NYOOMA for all electronic settlement.

Branch details at a glance

Nyoma branch overview

Located at NYOMA CHANGTHANG, the Nyoma branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JAKA0NYOOMA is required for all interbank electronic transfers routed through this branch.

Why every Jammu and Kashmir Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including NYOMA of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0NYOOMA is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC JAKA0NYOOMA the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Nyoma branch

Once you have an account at Jammu and Kashmir Bank Limited – NYOMA, the IFSC JAKA0NYOOMA stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Nyoma branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 198-222032.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC JAKA0NYOOMA

How to transfer money using IFSC JAKA0NYOOMA

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC JAKA0NYOOMA across all three.

How to use IFSC JAKA0NYOOMA for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Jammu and Kashmir Bank Limited's NYOMA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC JAKA0NYOOMA.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as NYOMA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to NYOMA

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's NYOMA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0NYOOMA while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited NYOMA (IFSC JAKA0NYOOMA)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0NYOOMA in your mobile or internet banking app, and the money is credited to the NYOMA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC JAKA0NYOOMA for Jammu and Kashmir Bank Limited – NYOMA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Nyoma branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC JAKA0NYOOMA

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Jammu and Kashmir Bank Limited – NYOMA is still mapped to IFSC JAKA0NYOOMA. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC JAKA0NYOOMA and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Nyoma branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC JAKA0NYOOMA is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Jammu and Kashmir Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC JAKA0NYOOMA and the account number together uniquely identify the Nyoma branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Jammu and Kashmir Bank Limited – NYOMA:

• The IFSC is exactly JAKA0NYOOMA with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Jammu and Kashmir Bank Limited as the bank name and NYOMA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Nyoma branch

The branch is located at NYOMA CHANGTHANG, which puts it inside Leh, the broader Leh district, and the state of Jammu and Kashmir. To plan your visit:

1. Open Google Maps on your phone and search for “Jammu and Kashmir Bank Limited Nyoma branch” — the verified location pin for IFSC JAKA0NYOOMA should appear at the top of the results.
2. Confirm the branch is open by calling 198-222032 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC JAKA0NYOOMA and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0NYOOMA for Jammu and Kashmir Bank Limited – NYOMA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Nyoma are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to JAKA0NYOOMA continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0NYOOMA is the IFSC code of Jammu and Kashmir Bank Limited, NYOMA branch, in LEH, JAMMU AND KASHMIR. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.