IFSC Code of Jammu and Kashmir Bank Limited, Chandigarh University Gharaun Branch, Punjab

Use this page as a one-stop reference for everything related to Jammu and Kashmir Bank Limited's CHANDIGARH UNIVERSITY GHARAUN branch in SAS NAGAR, PUNJAB. The branch's IFSC code JAKA0GHARUN 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.

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 – CHANDIGARH UNIVERSITY GHARAUN is JAKA0GHARUN. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GHARUN map to this branch in SAS NAGAR, PUNJAB.

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 Chandigarh University Gharaun branch in Sas Nagar, Punjab is part of this network and uses the IFSC code JAKA0GHARUN for all electronic settlement.

Chandigarh University Gharaun branch overview

Located at CHANDIGARH UNIVERSITY, GHARAUN CAMPUS, LUDHIANA ROAD, SAS NAGAR MOHALI (PUNJAB) - 140413, the Chandigarh University Gharaun branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JAKA0GHARUN is required for all interbank electronic transfers routed through this branch.

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 CHANDIGARH UNIVERSITY GHARAUN branch came to be assigned the code JAKA0GHARUN.

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 JAKA0GHARUN, money simply cannot be routed to the CHANDIGARH UNIVERSITY GHARAUN branch electronically.

How to transfer money using IFSC JAKA0GHARUN

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 JAKA0GHARUN across all three.

NEFT to Jammu and Kashmir Bank Limited, CHANDIGARH UNIVERSITY GHARAUN using IFSC JAKA0GHARUN

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 JAKA0GHARUN, and confirm that the system picks up Jammu and Kashmir Bank Limited – CHANDIGARH UNIVERSITY GHARAUN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC JAKA0GHARUN

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 – CHANDIGARH UNIVERSITY GHARAUN, ensure your bank's portal accepts IFSC JAKA0GHARUN while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jammu and Kashmir Bank Limited CHANDIGARH UNIVERSITY GHARAUN (IFSC JAKA0GHARUN)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0GHARUN in your mobile or internet banking app, and the money is credited to the CHANDIGARH UNIVERSITY GHARAUN branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC JAKA0GHARUN for Jammu and Kashmir Bank Limited – CHANDIGARH UNIVERSITY GHARAUN, 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.

For most retail customers crediting the Chandigarh University Gharaun 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.

UPI payments and IFSC JAKA0GHARUN

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 – CHANDIGARH UNIVERSITY GHARAUN is still mapped to IFSC JAKA0GHARUN. 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 JAKA0GHARUN and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Chandigarh University Gharaun branch is mapped to IFSC JAKA0GHARUN 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 JAKA0GHARUN.

Products and services

Customers walking into the Chandigarh University Gharaun 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 JAKA0GHARUN

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 JAKA0GHARUN and the account number together uniquely identify the Chandigarh University Gharaun branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Chandigarh University Gharaun 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 JAKA0GHARUN 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.

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 – CHANDIGARH UNIVERSITY GHARAUN:

• The IFSC is exactly JAKA0GHARUN 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 CHANDIGARH UNIVERSITY GHARAUN 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 Chandigarh University Gharaun branch

The branch is located at CHANDIGARH UNIVERSITY, GHARAUN CAMPUS, LUDHIANA ROAD, SAS NAGAR MOHALI (PUNJAB) - 140413, which puts it inside Sas Nagar, the broader Sas Nagar district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Jammu and Kashmir Bank Limited Chandigarh University Gharaun branch” — the verified location pin for IFSC JAKA0GHARUN should appear at the top of the results.
2. Confirm the branch is open by calling 160-9906399347 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 JAKA0GHARUN and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0GHARUN for Jammu and Kashmir Bank Limited – CHANDIGARH UNIVERSITY GHARAUN, 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 Chandigarh University Gharaun branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0GHARUN, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0GHARUN is the IFSC code of Jammu and Kashmir Bank Limited, CHANDIGARH UNIVERSITY GHARAUN branch, in SAS NAGAR, PUNJAB. 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.