IFSC Code of Jammu and Kashmir Bank Limited, Apex Branch Chq Branch, Jammu and Kashmir

Use this page as a one-stop reference for everything related to Jammu and Kashmir Bank Limited's APEX BRANCH CHQ branch in SRINAGAR, JAMMU AND KASHMIR. The branch's IFSC code JAKA0APEXBR 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 – APEX BRANCH CHQ is JAKA0APEXBR. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters APEXBR map to this branch in SRINAGAR, JAMMU AND KASHMIR.

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 Apex Branch Chq branch in Srinagar, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0APEXBR for all electronic settlement.

Apex Branch Chq branch overview

Located at CORPORATE HEADQUARTER,M.A.ROAD, the Apex Branch Chq branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JAKA0APEXBR is required for all interbank electronic transfers routed through this branch.

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 APEX BRANCH CHQ branch came to be assigned the code JAKA0APEXBR.

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 JAKA0APEXBR, money simply cannot be routed to the APEX BRANCH CHQ branch electronically.

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 JAKA0APEXBR and the account number together uniquely identify the Apex Branch Chq branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC JAKA0APEXBR

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 JAKA0APEXBR across all three.

NEFT to Jammu and Kashmir Bank Limited, APEX BRANCH CHQ using IFSC JAKA0APEXBR

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 JAKA0APEXBR, and confirm that the system picks up Jammu and Kashmir Bank Limited – APEX BRANCH CHQ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to APEX BRANCH CHQ

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's APEX BRANCH CHQ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0APEXBR while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited APEX BRANCH CHQ (IFSC JAKA0APEXBR)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0APEXBR in your mobile or internet banking app, and the money is credited to the APEX BRANCH CHQ branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Apex Branch Chq

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 JAKA0APEXBR:

• 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 APEX BRANCH CHQ is still linked to IFSC JAKA0APEXBR.

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 JAKA0APEXBR

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 – APEX BRANCH CHQ is still mapped to IFSC JAKA0APEXBR. 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 JAKA0APEXBR and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Apex Branch Chq branch is mapped to IFSC JAKA0APEXBR 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 JAKA0APEXBR.

Products and services

Customers walking into the Apex Branch Chq 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 JAKA0APEXBR

Online banking and IFSC JAKA0APEXBR

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the APEX BRANCH CHQ 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 JAKA0APEXBR 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.

Reaching the branch

The Apex Branch Chq branch sits at CORPORATE HEADQUARTER,M.A.ROAD. If you are travelling from outside Srinagar, search for the branch on a maps application using the bank name and locality, or call 194-2502691 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 JAKA0APEXBR and your account number.

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 – APEX BRANCH CHQ:

• The IFSC is exactly JAKA0APEXBR 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 APEX BRANCH CHQ 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.

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 Apex Branch Chq branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0APEXBR, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0APEXBR for Jammu and Kashmir Bank Limited – APEX BRANCH CHQ, 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

Final notes

To recap: JAKA0APEXBR is the IFSC code of Jammu and Kashmir Bank Limited, APEX BRANCH CHQ branch, in SRINAGAR, JAMMU AND KASHMIR. 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.