Below are the complete branch details for Jammu and Kashmir Bank Limited, RAIPUR branch, located in RAIPUR, CHANDIGARH. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0RAIPUR. 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 JAKA0RAIPUR for Jammu and Kashmir Bank Limited – RAIPUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, JAKA0RAIPUR is the IFSC of Jammu and Kashmir Bank Limited's RAIPUR branch. The format is fixed: JAKA = bank code, 0 = reserved, RAIPUR = branch identifier.
Branch details at a glance
| Bank Name | Jammu and Kashmir Bank Limited |
|---|---|
| Branch | Raipur |
| IFSC Code | JAKA0RAIPUR |
| MICR Code | Refer to cheque leaf |
| Branch Address | LAL GANGA SHOPPING MALL,G.E ROAD |
| City | Raipur |
| District | Raipur |
| State | Chandigarh |
| STD Code | 771 |
| Phone | 2236467 |
Bank profile
Jammu and Kashmir Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Raipur branch — IFSC JAKA0RAIPUR — extends the bank's services to customers in and around Raipur, Chandigarh.
About this branch
The branch is located at LAL GANGA SHOPPING MALL,G.E ROAD. It serves the Raipur region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Jammu and Kashmir Bank Limited. The IFSC JAKA0RAIPUR is used to identify this branch on the RBI payments network.
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 RAIPUR of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0RAIPUR 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 JAKA0RAIPUR the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC JAKA0RAIPUR
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 JAKA0RAIPUR across all three.
How to use IFSC JAKA0RAIPUR for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Jammu and Kashmir Bank Limited's RAIPUR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC JAKA0RAIPUR.
- Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as RAIPUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to RAIPUR
If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's RAIPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0RAIPUR 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 – RAIPUR, use IMPS. With IFSC JAKA0RAIPUR 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 JAKA0RAIPUR for Jammu and Kashmir Bank Limited – RAIPUR, 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 – JAKA0RAIPUR | Yes – JAKA0RAIPUR | Yes – JAKA0RAIPUR |
For most retail customers crediting the Raipur 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.
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 RAIPUR branch, the IFSC JAKA0RAIPUR 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.
Products and account variants supported
Every account opened at the Raipur branch is mapped to IFSC JAKA0RAIPUR 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 JAKA0RAIPUR.
Banking services available
The Raipur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 771-2236467.
- 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 JAKA0RAIPUR
MICR & cheque-truncation details
Cheques drawn on the Raipur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0RAIPUR for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC JAKA0RAIPUR
Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RAIPUR 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 JAKA0RAIPUR 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.
Common mistakes to avoid when using IFSC JAKA0RAIPUR
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 – RAIPUR, 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:
JAKA0RAIPUR. - 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 Raipur branch sits at LAL GANGA SHOPPING MALL,G.E ROAD. If you are travelling from outside Raipur, search for the branch on a maps application using the bank name and locality, or call 771-2236467 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 JAKA0RAIPUR and your account number.
Verifying IFSC JAKA0RAIPUR 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 JAKA0RAIPUR by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 771-2236467.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Raipur 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 JAKA0RAIPUR continue to work without interruption.
Branch address & contact
Jammu and Kashmir Bank LimitedRaipur Branch
LAL GANGA SHOPPING MALL,G.E ROAD
Raipur, Chandigarh
Phone: 771-2236467
IFSC: JAKA0RAIPUR
Frequently asked questions
Can I use IFSC JAKA0RAIPUR for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC JAKA0RAIPUR to send funds instantly.
Is IFSC JAKA0RAIPUR the same for all accounts at Raipur branch?
Yes. The IFSC JAKA0RAIPUR is shared by every account held at Jammu and Kashmir Bank Limited's Raipur branch. Only the account number changes from customer to customer.
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 Raipur branch but serve different purposes.
Where is Jammu and Kashmir Bank Limited Raipur branch located?
Jammu and Kashmir Bank Limited's Raipur branch is located at LAL GANGA SHOPPING MALL,G.E ROAD, Raipur, Chandigarh.
Does Jammu and Kashmir Bank Limited Raipur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 771-2236467 to confirm.
How do I add Jammu and Kashmir Bank Limited Raipur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC JAKA0RAIPUR, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC JAKA0RAIPUR valid for NEFT and RTGS?
Yes. IFSC JAKA0RAIPUR is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Jammu and Kashmir Bank Limited Raipur branch?
You can reach the branch at 771-2236467 during regular banking hours.
Summary
The IFSC code JAKA0RAIPUR belongs to Jammu and Kashmir Bank Limited's RAIPUR branch, located at LAL GANGA SHOPPING MALL,G.E ROAD in RAIPUR, CHANDIGARH. 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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