If you are searching for the IFSC code of Jammu and Kashmir Bank Limited, SERVICE CENTER branch in MUMBAI, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is JAKA0SETTLE. 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 SERVICE CENTER branch, and detailed step-by-step guides for using the IFSC JAKA0SETTLE 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.
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 SERVICE CENTER branch, the IFSC JAKA0SETTLE breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and SETTLE identifies this particular branch.
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 Service Center branch in Mumbai, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0SETTLE for all electronic settlement.
Branch details at a glance
| Bank Name | Jammu and Kashmir Bank Limited |
|---|---|
| Branch | Service Center |
| IFSC Code | JAKA0SETTLE |
| MICR Code | Refer to cheque leaf |
| Branch Address | 5TH FLOOR MERCHANT CHAMBER 41 NEW MARINE LINES,MUMBAI, P.O.NEW MARINE LINES,400020 |
| City | Mumbai |
| District | Mumbai |
| State | Jammu and Kashmir |
| STD Code | 22 |
| Phone | 26384153 |
Service Center branch overview
Located at 5TH FLOOR MERCHANT CHAMBER 41 NEW MARINE LINES,MUMBAI, P.O.NEW MARINE LINES,400020, the Service Center branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JAKA0SETTLE is required for all interbank electronic transfers routed through this branch.
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 SERVICE CENTER branch came to be assigned the code JAKA0SETTLE.
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 JAKA0SETTLE, money simply cannot be routed to the SERVICE CENTER branch electronically.
Products and account variants supported
Every account opened at the Service Center branch is mapped to IFSC JAKA0SETTLE on the RBI payments network. The branch generally supports the full retail product catalogue of Jammu and Kashmir Bank Limited, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains JAKA0SETTLE.
Banking services available
The Service Center branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-26384153.
- 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 JAKA0SETTLE
How to transfer money using IFSC JAKA0SETTLE
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 JAKA0SETTLE across all three.
NEFT to Jammu and Kashmir Bank Limited, SERVICE CENTER using IFSC JAKA0SETTLE
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 JAKA0SETTLE, and confirm that the system picks up Jammu and Kashmir Bank Limited – SERVICE CENTER. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC JAKA0SETTLE
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Jammu and Kashmir Bank Limited – SERVICE CENTER, ensure your bank's portal accepts IFSC JAKA0SETTLE while registering the beneficiary. RTGS is also available 24x7.
IMPS to Jammu and Kashmir Bank Limited SERVICE CENTER (IFSC JAKA0SETTLE)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0SETTLE in your mobile or internet banking app, and the money is credited to the SERVICE CENTER branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC JAKA0SETTLE for Jammu and Kashmir Bank Limited – SERVICE CENTER, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – JAKA0SETTLE | Yes – JAKA0SETTLE | Yes – JAKA0SETTLE |
For most retail customers crediting the Service Center 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 JAKA0SETTLE
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 – SERVICE CENTER is still mapped to IFSC JAKA0SETTLE. 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 JAKA0SETTLE 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 Service Center 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 JAKA0SETTLE 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 & cheque-truncation details
Cheques drawn on the Service Center branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0SETTLE for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – SERVICE CENTER:
- The IFSC is exactly JAKA0SETTLE 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 SERVICE CENTER 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 Service Center branch sits at 5TH FLOOR MERCHANT CHAMBER 41 NEW MARINE LINES,MUMBAI, P.O.NEW MARINE LINES,400020. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-26384153 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 JAKA0SETTLE and your account number.
Verifying IFSC JAKA0SETTLE 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 JAKA0SETTLE by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-26384153.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Service Center branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0SETTLE, however, work 24x7.
Branch address & contact
Jammu and Kashmir Bank LimitedService Center Branch
5TH FLOOR MERCHANT CHAMBER 41 NEW MARINE LINES,MUMBAI, P.O.NEW MARINE LINES,400020
Mumbai, Jammu and Kashmir
Phone: 22-26384153
IFSC: JAKA0SETTLE
Frequently asked questions
What is the phone number of Jammu and Kashmir Bank Limited Service Center branch?
You can reach the branch at 22-26384153 during regular banking hours.
How do I add Jammu and Kashmir Bank Limited Service Center as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC JAKA0SETTLE, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC JAKA0SETTLE for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC JAKA0SETTLE to send funds instantly.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Service Center branch but serve different purposes.
How quickly will an NEFT transfer using JAKA0SETTLE be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Jammu and Kashmir Bank Limited – Service Center reflect within 30 minutes.
What is the IFSC code of Jammu and Kashmir Bank Limited Service Center branch?
The IFSC code of Jammu and Kashmir Bank Limited, Service Center branch is JAKA0SETTLE. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC JAKA0SETTLE the same for all accounts at Service Center branch?
Yes. The IFSC JAKA0SETTLE is shared by every account held at Jammu and Kashmir Bank Limited's Service Center branch. Only the account number changes from customer to customer.
Summary
The IFSC code JAKA0SETTLE belongs to Jammu and Kashmir Bank Limited's SERVICE CENTER branch, located at 5TH FLOOR MERCHANT CHAMBER 41 NEW MARINE LINES,MUMBAI, P.O.NEW MARINE… in MUMBAI, JAMMU AND KASHMIR. 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.
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