IFSC Code of Jammu and Kashmir Bank Limited, Bufliaz Poonch Branch, Jammu and Kashmir

Below are the complete branch details for Jammu and Kashmir Bank Limited, BUFLIAZ POONCH branch, located in POONCH, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0BUFLAZ. 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 JAKA0BUFLAZ for Jammu and Kashmir Bank Limited – BUFLIAZ POONCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – BUFLIAZ POONCH is JAKA0BUFLAZ. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters BUFLAZ map to this branch in POONCH, JAMMU AND KASHMIR.

Branch details at a glance

About Jammu and Kashmir Bank Limited

Jammu and Kashmir Bank Limited operates a wide network of branches across India, including the Bufliaz Poonch branch in Poonch. 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, JAKA0BUFLAZ.

About the Bufliaz Poonch branch

The Bufliaz Poonch branch of Jammu and Kashmir Bank Limited is situated at JAMMU AND KASHMIR BANK BUFLIAZ, POST OFFICE BUFLIAZ, TEHSIL SURANKOT, POONCH PIN-185121. 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 JAKA0BUFLAZ 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 BUFLIAZ POONCH branch came to be assigned the code JAKA0BUFLAZ.

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 JAKA0BUFLAZ, money simply cannot be routed to the BUFLIAZ POONCH branch electronically.

How to transfer money using IFSC JAKA0BUFLAZ

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 JAKA0BUFLAZ across all three.

NEFT to Jammu and Kashmir Bank Limited, BUFLIAZ POONCH using IFSC JAKA0BUFLAZ

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 JAKA0BUFLAZ, and confirm that the system picks up Jammu and Kashmir Bank Limited – BUFLIAZ POONCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BUFLIAZ POONCH

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's BUFLIAZ POONCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0BUFLAZ while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited BUFLIAZ POONCH (IFSC JAKA0BUFLAZ)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0BUFLAZ in your mobile or internet banking app, and the money is credited to the BUFLIAZ POONCH branch account within seconds.

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

All three modes accept the IFSC JAKA0BUFLAZ for Jammu and Kashmir Bank Limited – BUFLIAZ POONCH, 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 Bufliaz Poonch 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 JAKA0BUFLAZ

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 – BUFLIAZ POONCH is still mapped to IFSC JAKA0BUFLAZ. 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 JAKA0BUFLAZ and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bufliaz Poonch branch is mapped to IFSC JAKA0BUFLAZ 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 JAKA0BUFLAZ.

Banking services available

The Bufliaz Poonch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 196-990617884.

• 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 JAKA0BUFLAZ

MICR & cheque-truncation details

Cheques drawn on the Bufliaz Poonch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0BUFLAZ for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Bufliaz Poonch 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 JAKA0BUFLAZ 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.

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 – BUFLIAZ POONCH:

• The IFSC is exactly JAKA0BUFLAZ 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 BUFLIAZ POONCH 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 Bufliaz Poonch branch

The branch is located at JAMMU AND KASHMIR BANK BUFLIAZ, POST OFFICE BUFLIAZ, TEHSIL SURANKOT, POONCH PIN-185121, which puts it inside Poonch, the broader Poonch 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 Bufliaz Poonch branch” — the verified location pin for IFSC JAKA0BUFLAZ should appear at the top of the results.
2. Confirm the branch is open by calling 196-990617884 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 JAKA0BUFLAZ and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0BUFLAZ for Jammu and Kashmir Bank Limited – BUFLIAZ POONCH, 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.

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 Bufliaz Poonch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0BUFLAZ, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0BUFLAZ belongs to Jammu and Kashmir Bank Limited's BUFLIAZ POONCH branch, located at JAMMU AND KASHMIR BANK BUFLIAZ, POST OFFICE BUFLIAZ, TEHSIL SURANKOT, POONCH… in POONCH, 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.