IFSC Code of Jammu and Kashmir Bank Limited, Air Cargo Srinagar Branch, Jammu and Kashmir

This page lists the IFSC code, branch address, contact number and fund-transfer information for Jammu and Kashmir Bank Limited, AIR CARGO SRINAGAR branch in SRINAGAR. The 11-digit IFSC JAKA0AIRCAR 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 AIR CARGO SRINAGAR 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Jammu and Kashmir Bank Limited's AIR CARGO SRINAGAR branch, the IFSC JAKA0AIRCAR breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and AIRCAR identifies this particular branch.

Bank profile

Jammu and Kashmir Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Air Cargo Srinagar branch — IFSC JAKA0AIRCAR — extends the bank's services to customers in and around Srinagar, Jammu and Kashmir.

About this branch

The branch is located at OPP NEW ERA SCHOOL,RAJBAGH. It serves the Srinagar 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 JAKA0AIRCAR is used to identify this branch on the RBI payments network.

Branch details at a glance

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 AIR CARGO SRINAGAR branch came to be assigned the code JAKA0AIRCAR.

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 JAKA0AIRCAR, money simply cannot be routed to the AIR CARGO SRINAGAR branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Air Cargo Srinagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0AIRCAR for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC JAKA0AIRCAR

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 JAKA0AIRCAR across all three.

How to use IFSC JAKA0AIRCAR 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 AIR CARGO SRINAGAR 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC JAKA0AIRCAR.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as AIR CARGO SRINAGAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC JAKA0AIRCAR

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 – AIR CARGO SRINAGAR, ensure your bank's portal accepts IFSC JAKA0AIRCAR 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 – AIR CARGO SRINAGAR, use IMPS. With IFSC JAKA0AIRCAR 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 JAKA0AIRCAR for Jammu and Kashmir Bank Limited – AIR CARGO SRINAGAR, 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 Air Cargo Srinagar 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 AIR CARGO SRINAGAR branch, the IFSC JAKA0AIRCAR 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 Air Cargo Srinagar branch is mapped to IFSC JAKA0AIRCAR 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 JAKA0AIRCAR.

Products and services

Customers walking into the Air Cargo Srinagar 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 JAKA0AIRCAR

Digital banking channels

Most day-to-day work that customers used to do at the Air Cargo Srinagar 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 JAKA0AIRCAR 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.

How to reach the Air Cargo Srinagar branch

The branch is located at OPP NEW ERA SCHOOL,RAJBAGH, which puts it inside Srinagar, the broader Srinagar district, and the state of Jammu and Kashmir. To plan your visit:

1. Open Google Maps on your phone and search for “Jammu and Kashmir Bank Limited Air Cargo Srinagar branch” — the verified location pin for IFSC JAKA0AIRCAR should appear at the top of the results.
2. Confirm the branch is open by calling 194-9469173270 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 JAKA0AIRCAR and your account number.

Common mistakes to avoid when using IFSC JAKA0AIRCAR

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 – AIR CARGO SRINAGAR, 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: JAKA0AIRCAR.
• 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.

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 Air Cargo Srinagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0AIRCAR, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0AIRCAR for Jammu and Kashmir Bank Limited – AIR CARGO SRINAGAR, 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 address & contact

Frequently asked questions

Summary

The IFSC code JAKA0AIRCAR belongs to Jammu and Kashmir Bank Limited's AIR CARGO SRINAGAR branch, located at OPP NEW ERA SCHOOL,RAJBAGH in SRINAGAR, 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.