This page lists the IFSC code, branch address, contact number and fund-transfer information for Jammu and Kashmir Bank Limited, IC BARI BRAHAMNA branch in SAMBA. The 11-digit IFSC JAKA0ESTATE 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 IC BARI BRAHAMNA 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.
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, JAKA0ESTATE is the IFSC of Jammu and Kashmir Bank Limited's IC BARI BRAHAMNA branch. The format is fixed: JAKA = bank code, 0 = reserved, ESTATE = branch identifier.
Branch details at a glance
| Bank Name | Jammu and Kashmir Bank Limited |
|---|---|
| Branch | Ic Bari Brahamna |
| IFSC Code | JAKA0ESTATE |
| MICR Code | Refer to cheque leaf |
| Branch Address | BARI BRAHMNA (I.C) |
| City | Samba |
| District | Samba |
| State | Jammu and Kashmir |
| STD Code | 192 |
| Phone | 220362 |
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 Ic Bari Brahamna branch in Samba, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0ESTATE for all electronic settlement.
About this branch
The branch is located at BARI BRAHMNA (I.C). It serves the Samba 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 JAKA0ESTATE is used to identify this branch on the RBI payments network.
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 IC BARI BRAHAMNA branch came to be assigned the code JAKA0ESTATE.
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 JAKA0ESTATE, money simply cannot be routed to the IC BARI BRAHAMNA branch electronically.
How to transfer money using IFSC JAKA0ESTATE
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 JAKA0ESTATE across all three.
How to use IFSC JAKA0ESTATE 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 IC BARI BRAHAMNA 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 JAKA0ESTATE.
- Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as IC BARI BRAHAMNA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC JAKA0ESTATE
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 – IC BARI BRAHAMNA, ensure your bank's portal accepts IFSC JAKA0ESTATE while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Jammu and Kashmir Bank Limited – IC BARI BRAHAMNA, use IMPS. With IFSC JAKA0ESTATE 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 JAKA0ESTATE for Jammu and Kashmir Bank Limited – IC BARI BRAHAMNA, 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 – JAKA0ESTATE | Yes – JAKA0ESTATE | Yes – JAKA0ESTATE |
For most retail customers crediting the Ic Bari Brahamna 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 IC BARI BRAHAMNA branch, the IFSC JAKA0ESTATE 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.
Account types you can open at the Ic Bari Brahamna branch
Once you have an account at Jammu and Kashmir Bank Limited – IC BARI BRAHAMNA, the IFSC JAKA0ESTATE 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 Ic Bari Brahamna 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 JAKA0ESTATE
MICR & cheque-truncation details
Cheques drawn on the Ic Bari Brahamna branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0ESTATE for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC JAKA0ESTATE
Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the IC BARI BRAHAMNA 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 JAKA0ESTATE 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 JAKA0ESTATE
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 – IC BARI BRAHAMNA, 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:
JAKA0ESTATE. - 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 Ic Bari Brahamna branch sits at BARI BRAHMNA (I.C). If you are travelling from outside Samba, search for the branch on a maps application using the bank name and locality, or call 192-220362 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 JAKA0ESTATE and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC JAKA0ESTATE for Jammu and Kashmir Bank Limited – IC BARI BRAHAMNA, 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 Ic Bari Brahamna branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0ESTATE, however, work 24x7.
Branch address & contact
Jammu and Kashmir Bank LimitedIc Bari Brahamna Branch
BARI BRAHMNA (I.C)
Samba, Jammu and Kashmir
Phone: 192-220362
IFSC: JAKA0ESTATE
Frequently asked questions
Does Jammu and Kashmir Bank Limited Ic Bari Brahamna branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 192-220362 to confirm.
How do I add Jammu and Kashmir Bank Limited Ic Bari Brahamna as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC JAKA0ESTATE, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC JAKA0ESTATE valid for NEFT and RTGS?
Yes. IFSC JAKA0ESTATE is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC JAKA0ESTATE for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC JAKA0ESTATE to send funds instantly.
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 Ic Bari Brahamna branch but serve different purposes.
How quickly will an NEFT transfer using JAKA0ESTATE be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Jammu and Kashmir Bank Limited – Ic Bari Brahamna reflect within 30 minutes.
What is the phone number of Jammu and Kashmir Bank Limited Ic Bari Brahamna branch?
You can reach the branch at 192-220362 during regular banking hours.
Where is Jammu and Kashmir Bank Limited Ic Bari Brahamna branch located?
Jammu and Kashmir Bank Limited's Ic Bari Brahamna branch is located at BARI BRAHMNA (I.C), Samba, Jammu and Kashmir.
Summary
The IFSC code JAKA0ESTATE belongs to Jammu and Kashmir Bank Limited's IC BARI BRAHAMNA branch, located at BARI BRAHMNA (I.C) in SAMBA, 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.
