IFSC Code of Jammu and Kashmir Bank Limited, Santa Cruz West Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Jammu and Kashmir Bank Limited, SANTA CRUZ WEST branch in MUMBAI. The 11-digit IFSC JAKA0SANTAC uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Jammu and Kashmir Bank Limited at the SANTA CRUZ WEST location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Jammu and Kashmir Bank Limited – SANTA CRUZ WEST is JAKA0SANTAC. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SANTAC map to this branch in MUMBAI, MAHARASHTRA.

Bank profile

Jammu and Kashmir Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Santa Cruz West branch — IFSC JAKA0SANTAC — extends the bank's services to customers in and around Mumbai, Maharashtra.

Branch details at a glance

About the Santa Cruz West branch

The Santa Cruz West branch of Jammu and Kashmir Bank Limited is situated at SHOP NO 6 GROUND FLOOR KAMLA SPACES SV ROAD KHIRA NAGAR SANTA CRUZ W MUMBAI MAHARASHTRA 400054. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code JAKA0SANTAC is used.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Jammu and Kashmir Bank Limited's SANTA CRUZ WEST branch came to be assigned the code JAKA0SANTAC.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC JAKA0SANTAC, money simply cannot be routed to the SANTA CRUZ WEST branch electronically.

Account types you can open at the Santa Cruz West branch

Once you have an account at Jammu and Kashmir Bank Limited – SANTA CRUZ WEST, the IFSC JAKA0SANTAC 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 Santa Cruz West branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-26602820.

• 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 JAKA0SANTAC

How to transfer money using IFSC JAKA0SANTAC

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 JAKA0SANTAC across all three.

How to use IFSC JAKA0SANTAC 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 SANTA CRUZ WEST 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 JAKA0SANTAC.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as SANTA CRUZ WEST.
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 SANTA CRUZ WEST

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's SANTA CRUZ WEST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0SANTAC while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited SANTA CRUZ WEST (IFSC JAKA0SANTAC)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0SANTAC in your mobile or internet banking app, and the money is credited to the SANTA CRUZ WEST branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Santa Cruz West

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC JAKA0SANTAC:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at SANTA CRUZ WEST is still linked to IFSC JAKA0SANTAC.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC JAKA0SANTAC

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 – SANTA CRUZ WEST is still mapped to IFSC JAKA0SANTAC. 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 JAKA0SANTAC and the beneficiary's account number to complete the transfer.

Online banking and IFSC JAKA0SANTAC

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SANTA CRUZ WEST 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 JAKA0SANTAC 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 JAKA0SANTAC and the account number together uniquely identify the Santa Cruz West 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 – SANTA CRUZ WEST:

• The IFSC is exactly JAKA0SANTAC 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 SANTA CRUZ WEST 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.

Reaching the branch

The Santa Cruz West branch sits at SHOP NO 6 GROUND FLOOR KAMLA SPACES SV ROAD KHIRA NAGAR SANTA CRUZ W MUMBAI MAHARASHTRA 400054. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-26602820 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC JAKA0SANTAC and your account number.

Verifying IFSC JAKA0SANTAC from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm JAKA0SANTAC by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-26602820.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Santa Cruz West 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 JAKA0SANTAC continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0SANTAC is the IFSC code of Jammu and Kashmir Bank Limited, SANTA CRUZ WEST branch, in MUMBAI, MAHARASHTRA. 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.