IFSC Code of Jammu and Kashmir Bank Limited, Ati Rajouri Branch, Jammu and Kashmir

This page lists the IFSC code, branch address, contact number and fund-transfer information for Jammu and Kashmir Bank Limited, ATI RAJOURI branch in RAJOURI. The 11-digit IFSC JAKA0ATIRAJ uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Jammu and Kashmir Bank Limited at the ATI RAJOURI location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – ATI RAJOURI is JAKA0ATIRAJ. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters ATIRAJ map to this branch in RAJOURI, JAMMU AND KASHMIR.

Branch details at a glance

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 Ati Rajouri branch in Rajouri, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0ATIRAJ for all electronic settlement.

About the Ati Rajouri branch

The Ati Rajouri branch of Jammu and Kashmir Bank Limited is situated at RAJAL ROAD NEAR CHANDI MATA MANDIR P.O. NOWSHERA RAJOURI. 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 JAKA0ATIRAJ 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 ATI RAJOURI of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0ATIRAJ 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 JAKA0ATIRAJ 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 JAKA0ATIRAJ

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 JAKA0ATIRAJ across all three.

NEFT to Jammu and Kashmir Bank Limited, ATI RAJOURI using IFSC JAKA0ATIRAJ

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 JAKA0ATIRAJ, and confirm that the system picks up Jammu and Kashmir Bank Limited – ATI RAJOURI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC JAKA0ATIRAJ

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Jammu and Kashmir Bank Limited – ATI RAJOURI, ensure your bank's portal accepts IFSC JAKA0ATIRAJ while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jammu and Kashmir Bank Limited ATI RAJOURI (IFSC JAKA0ATIRAJ)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0ATIRAJ in your mobile or internet banking app, and the money is credited to the ATI RAJOURI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ati Rajouri

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 JAKA0ATIRAJ:

• 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 ATI RAJOURI is still linked to IFSC JAKA0ATIRAJ.

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 JAKA0ATIRAJ

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 – ATI RAJOURI is still mapped to IFSC JAKA0ATIRAJ. 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 JAKA0ATIRAJ and the beneficiary's account number to complete the transfer.

Account types you can open at the Ati Rajouri branch

Once you have an account at Jammu and Kashmir Bank Limited – ATI RAJOURI, the IFSC JAKA0ATIRAJ 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.

Banking services available

The Ati Rajouri branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 196-7889838858.

• 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 JAKA0ATIRAJ

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 JAKA0ATIRAJ and the account number together uniquely identify the Ati Rajouri branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC JAKA0ATIRAJ

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ATI RAJOURI 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 JAKA0ATIRAJ 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 JAKA0ATIRAJ

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 – ATI RAJOURI, 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: JAKA0ATIRAJ.
• 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 Ati Rajouri branch sits at RAJAL ROAD NEAR CHANDI MATA MANDIR P.O. NOWSHERA RAJOURI. If you are travelling from outside Rajouri, search for the branch on a maps application using the bank name and locality, or call 196-7889838858 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 JAKA0ATIRAJ and your account number.

Verifying IFSC JAKA0ATIRAJ 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 JAKA0ATIRAJ by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 196-7889838858.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ati Rajouri 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 JAKA0ATIRAJ continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0ATIRAJ belongs to Jammu and Kashmir Bank Limited's ATI RAJOURI branch, located at RAJAL ROAD NEAR CHANDI MATA MANDIR P.O. NOWSHERA RAJOURI in RAJOURI, 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.