IFSC Code of Jammu and Kashmir Bank Limited, Pune Branch, Maharashtra

If you are searching for the IFSC code of Jammu and Kashmir Bank Limited, PUNE branch in PUNE, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is JAKA0POONAH. 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 PUNE branch, and detailed step-by-step guides for using the IFSC JAKA0POONAH 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, JAKA0POONAH is the IFSC of Jammu and Kashmir Bank Limited's PUNE branch. The format is fixed: JAKA = bank code, 0 = reserved, POONAH = branch identifier.

Bank profile

Jammu and Kashmir Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Pune branch — IFSC JAKA0POONAH — extends the bank's services to customers in and around Pune, Maharashtra.

Branch details at a glance

About the Pune branch

The Pune branch of Jammu and Kashmir Bank Limited is situated at RADIANT RAHEJA MILLINIUM COMPLEX,IST FLOOR, 284 MG ROAD, PUNE. 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 JAKA0POONAH 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 PUNE of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0POONAH 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 JAKA0POONAH the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Pune branch

Once you have an account at Jammu and Kashmir Bank Limited – PUNE, the IFSC JAKA0POONAH 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 Pune 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 JAKA0POONAH

How to transfer money using IFSC JAKA0POONAH

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 JAKA0POONAH across all three.

NEFT to Jammu and Kashmir Bank Limited, PUNE using IFSC JAKA0POONAH

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 JAKA0POONAH, and confirm that the system picks up Jammu and Kashmir Bank Limited – PUNE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PUNE

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's PUNE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0POONAH 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 – PUNE, use IMPS. With IFSC JAKA0POONAH and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Pune

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 JAKA0POONAH:

• 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 PUNE is still linked to IFSC JAKA0POONAH.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Jammu and Kashmir Bank Limited's PUNE branch, the IFSC JAKA0POONAH is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC JAKA0POONAH

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PUNE 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 JAKA0POONAH 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 JAKA0POONAH and the account number together uniquely identify the Pune branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC JAKA0POONAH

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 – PUNE, 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: JAKA0POONAH.
• 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.

How to reach the Pune branch

The branch is located at RADIANT RAHEJA MILLINIUM COMPLEX,IST FLOOR, 284 MG ROAD, PUNE, which puts it inside Pune, the broader Pune district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Jammu and Kashmir Bank Limited Pune branch” — the verified location pin for IFSC JAKA0POONAH should appear at the top of the results.
2. Confirm the branch is open by calling 22-26341952 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 JAKA0POONAH and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0POONAH for Jammu and Kashmir Bank Limited – PUNE, 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.

Working hours

Branch counters at Pune 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 JAKA0POONAH continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0POONAH is the IFSC code of Jammu and Kashmir Bank Limited, PUNE branch, in PUNE, 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.