IFSC Code of Jammu and Kashmir Bank Limited, Zonal Office Mumbai Branch, Maharashtra

Below are the complete branch details for Jammu and Kashmir Bank Limited, ZONAL OFFICE MUMBAI branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0SKETCH. 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 JAKA0SKETCH for Jammu and Kashmir Bank Limited – ZONAL OFFICE MUMBAI — 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 ZONAL OFFICE MUMBAI branch, the IFSC JAKA0SKETCH breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and SKETCH identifies this particular branch.

About Jammu and Kashmir Bank Limited

Jammu and Kashmir Bank Limited operates a wide network of branches across India, including the Zonal Office Mumbai branch in Mumbai. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, JAKA0SKETCH.

Branch details at a glance

About the Zonal Office Mumbai branch

The Zonal Office Mumbai branch of Jammu and Kashmir Bank Limited is situated at NATIONAL BUSINESS CENTRE BANDRA KURLA COMPLEX BANDRA EAST MUMBAI MAHARASHTRA 400051. 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 JAKA0SKETCH 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 ZONAL OFFICE MUMBAI branch came to be assigned the code JAKA0SKETCH.

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 JAKA0SKETCH, money simply cannot be routed to the ZONAL OFFICE MUMBAI branch electronically.

Account types you can open at the Zonal Office Mumbai branch

Once you have an account at Jammu and Kashmir Bank Limited – ZONAL OFFICE MUMBAI, the IFSC JAKA0SKETCH 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.

Products and services

Customers walking into the Zonal Office Mumbai branch can access most of Jammu and Kashmir Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC JAKA0SKETCH

How to transfer money using IFSC JAKA0SKETCH

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 JAKA0SKETCH across all three.

NEFT to Jammu and Kashmir Bank Limited, ZONAL OFFICE MUMBAI using IFSC JAKA0SKETCH

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 JAKA0SKETCH, and confirm that the system picks up Jammu and Kashmir Bank Limited – ZONAL OFFICE MUMBAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ZONAL OFFICE MUMBAI

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's ZONAL OFFICE MUMBAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0SKETCH while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Jammu and Kashmir Bank Limited – ZONAL OFFICE MUMBAI, use IMPS. With IFSC JAKA0SKETCH and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC JAKA0SKETCH for Jammu and Kashmir Bank Limited – ZONAL OFFICE MUMBAI, 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 Zonal Office Mumbai 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 JAKA0SKETCH

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 – ZONAL OFFICE MUMBAI is still mapped to IFSC JAKA0SKETCH. 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 JAKA0SKETCH and the beneficiary's account number to complete the transfer.

Online banking and IFSC JAKA0SKETCH

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ZONAL OFFICE MUMBAI 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 JAKA0SKETCH 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 & cheque-truncation details

Cheques drawn on the Zonal Office Mumbai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0SKETCH for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC JAKA0SKETCH

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Jammu and Kashmir Bank Limited – ZONAL OFFICE MUMBAI, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: JAKA0SKETCH.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Zonal Office Mumbai branch sits at NATIONAL BUSINESS CENTRE BANDRA KURLA COMPLEX BANDRA EAST MUMBAI MAHARASHTRA 400051. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-26384126 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 JAKA0SKETCH and your account number.

Verifying IFSC JAKA0SKETCH 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 JAKA0SKETCH by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-26384126.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Zonal Office Mumbai 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 JAKA0SKETCH continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0SKETCH belongs to Jammu and Kashmir Bank Limited's ZONAL OFFICE MUMBAI branch, located at NATIONAL BUSINESS CENTRE BANDRA KURLA COMPLEX BANDRA EAST MUMBAI MAHARASHTRA… in MUMBAI, MAHARASHTRA. 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.