IFSC Code of Jammu and Kashmir Bank Limited, Aminabad Lucknow Branch, Uttar Pradesh

Below are the complete branch details for Jammu and Kashmir Bank Limited, AMINABAD LUCKNOW branch, located in LUCKNOW, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0AMINLK. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case JAKA0AMINLK for Jammu and Kashmir Bank Limited – AMINABAD LUCKNOW — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Jammu and Kashmir Bank Limited's AMINABAD LUCKNOW branch, the IFSC JAKA0AMINLK breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and AMINLK identifies this particular branch.

Bank profile

Jammu and Kashmir Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Aminabad Lucknow branch — IFSC JAKA0AMINLK — extends the bank's services to customers in and around Lucknow, Uttar Pradesh.

Branch details at a glance

About this branch

The branch is located at NEAR GONGEE PARK AMINABAD. It serves the Lucknow region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Jammu and Kashmir Bank Limited. The IFSC JAKA0AMINLK is used to identify this branch on the RBI payments network.

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 AMINABAD LUCKNOW of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0AMINLK 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 JAKA0AMINLK 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 Aminabad Lucknow branch

Once you have an account at Jammu and Kashmir Bank Limited – AMINABAD LUCKNOW, the IFSC JAKA0AMINLK 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 Aminabad Lucknow branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 522-9419412739.

• 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 JAKA0AMINLK

How to transfer money using IFSC JAKA0AMINLK

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 JAKA0AMINLK across all three.

NEFT to Jammu and Kashmir Bank Limited, AMINABAD LUCKNOW using IFSC JAKA0AMINLK

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC JAKA0AMINLK, and confirm that the system picks up Jammu and Kashmir Bank Limited – AMINABAD LUCKNOW. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to AMINABAD LUCKNOW

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's AMINABAD LUCKNOW branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0AMINLK while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited AMINABAD LUCKNOW (IFSC JAKA0AMINLK)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0AMINLK in your mobile or internet banking app, and the money is credited to the AMINABAD LUCKNOW branch account within seconds.

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

All three modes accept the IFSC JAKA0AMINLK for Jammu and Kashmir Bank Limited – AMINABAD LUCKNOW, 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 Aminabad Lucknow 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Jammu and Kashmir Bank Limited's AMINABAD LUCKNOW branch, the IFSC JAKA0AMINLK is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC JAKA0AMINLK

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AMINABAD LUCKNOW branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC JAKA0AMINLK is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

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 JAKA0AMINLK and the account number together uniquely identify the Aminabad Lucknow 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 – AMINABAD LUCKNOW:

• The IFSC is exactly JAKA0AMINLK 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 AMINABAD LUCKNOW 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 Aminabad Lucknow branch

The branch is located at NEAR GONGEE PARK AMINABAD, which puts it inside Lucknow, the broader Lucknow district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Jammu and Kashmir Bank Limited Aminabad Lucknow branch” — the verified location pin for IFSC JAKA0AMINLK should appear at the top of the results.
2. Confirm the branch is open by calling 522-9419412739 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 JAKA0AMINLK and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0AMINLK for Jammu and Kashmir Bank Limited – AMINABAD LUCKNOW, 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 Aminabad Lucknow 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 JAKA0AMINLK continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0AMINLK belongs to Jammu and Kashmir Bank Limited's AMINABAD LUCKNOW branch, located at NEAR GONGEE PARK AMINABAD in LUCKNOW, UTTAR PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.