IFSC Code of Jammu and Kashmir Bank Limited, Panzgam Pulwama Branch, Jammu and Kashmir

Use this page as a one-stop reference for everything related to Jammu and Kashmir Bank Limited's PANZGAM PULWAMA branch in PULWAMA, JAMMU AND KASHMIR. The branch's IFSC code JAKA0PANZGM is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 PANZGAM PULWAMA branch, the IFSC JAKA0PANZGM breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and PANZGM 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 Panzgam Pulwama branch in Pulwama, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0PANZGM for all electronic settlement.

Branch details at a glance

About the Panzgam Pulwama branch

The Panzgam Pulwama branch of Jammu and Kashmir Bank Limited is situated at NEAR JAMIA MASJID, PANZGAM, PULWAMA, JK-192124. 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 JAKA0PANZGM is used.

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 PANZGAM PULWAMA of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0PANZGM 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 JAKA0PANZGM the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Panzgam Pulwama branch is mapped to IFSC JAKA0PANZGM 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 JAKA0PANZGM.

Banking services available

The Panzgam Pulwama branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 193-9596206347.

• 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 JAKA0PANZGM

How to transfer money using IFSC JAKA0PANZGM

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 JAKA0PANZGM across all three.

NEFT to Jammu and Kashmir Bank Limited, PANZGAM PULWAMA using IFSC JAKA0PANZGM

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 JAKA0PANZGM, and confirm that the system picks up Jammu and Kashmir Bank Limited – PANZGAM PULWAMA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PANZGAM PULWAMA

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's PANZGAM PULWAMA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0PANZGM while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited PANZGAM PULWAMA (IFSC JAKA0PANZGM)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0PANZGM in your mobile or internet banking app, and the money is credited to the PANZGAM PULWAMA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Panzgam Pulwama

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 JAKA0PANZGM:

• 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 PANZGAM PULWAMA is still linked to IFSC JAKA0PANZGM.

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 JAKA0PANZGM

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 – PANZGAM PULWAMA is still mapped to IFSC JAKA0PANZGM. 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 JAKA0PANZGM 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 Panzgam Pulwama 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 JAKA0PANZGM 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 Panzgam Pulwama branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0PANZGM 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 – PANZGAM PULWAMA:

• The IFSC is exactly JAKA0PANZGM 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 PANZGAM PULWAMA 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 Panzgam Pulwama branch

The branch is located at NEAR JAMIA MASJID, PANZGAM, PULWAMA, JK-192124, which puts it inside Pulwama, the broader Pulwama 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 Panzgam Pulwama branch” — the verified location pin for IFSC JAKA0PANZGM should appear at the top of the results.
2. Confirm the branch is open by calling 193-9596206347 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 JAKA0PANZGM and your account number.

Verifying IFSC JAKA0PANZGM 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 JAKA0PANZGM by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 193-9596206347.
• 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 Panzgam Pulwama branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0PANZGM, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0PANZGM belongs to Jammu and Kashmir Bank Limited's PANZGAM PULWAMA branch, located at NEAR JAMIA MASJID, PANZGAM, PULWAMA, JK-192124 in PULWAMA, 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.