IFSC Code of Jammu and Kashmir Bank Limited, Digital Banking Unit Srinagar Branch, Jammu and Kashmir

Below are the complete branch details for Jammu and Kashmir Bank Limited, DIGITAL BANKING UNIT SRINAGAR branch, located in SRINAGAR, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0DBUSGR. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case JAKA0DBUSGR for Jammu and Kashmir Bank Limited – DIGITAL BANKING UNIT SRINAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, JAKA0DBUSGR is the IFSC of Jammu and Kashmir Bank Limited's DIGITAL BANKING UNIT SRINAGAR branch. The format is fixed: JAKA = bank code, 0 = reserved, DBUSGR = branch identifier.

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 Digital Banking Unit Srinagar branch in Srinagar, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0DBUSGR for all electronic settlement.

Branch details at a glance

Digital Banking Unit Srinagar branch overview

Located at DIGITAL BANKING UNIT SRINAGAR,LAL CHOWK, NEWAR GANTA GHAR, SRINAGAR, the Digital Banking Unit Srinagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JAKA0DBUSGR is required for all interbank electronic transfers routed through this branch.

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 DIGITAL BANKING UNIT SRINAGAR of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0DBUSGR 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 JAKA0DBUSGR the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Digital Banking Unit Srinagar branch is mapped to IFSC JAKA0DBUSGR 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 JAKA0DBUSGR.

Banking services available

The Digital Banking Unit Srinagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 914-9419005195.

• 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 JAKA0DBUSGR

How to transfer money using IFSC JAKA0DBUSGR

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 JAKA0DBUSGR across all three.

NEFT to Jammu and Kashmir Bank Limited, DIGITAL BANKING UNIT SRINAGAR using IFSC JAKA0DBUSGR

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 JAKA0DBUSGR, and confirm that the system picks up Jammu and Kashmir Bank Limited – DIGITAL BANKING UNIT SRINAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to DIGITAL BANKING UNIT SRINAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's DIGITAL BANKING UNIT SRINAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0DBUSGR while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Jammu and Kashmir Bank Limited – DIGITAL BANKING UNIT SRINAGAR, use IMPS. With IFSC JAKA0DBUSGR and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Digital Banking Unit Srinagar

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 JAKA0DBUSGR:

• 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 DIGITAL BANKING UNIT SRINAGAR is still linked to IFSC JAKA0DBUSGR.

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 JAKA0DBUSGR

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 – DIGITAL BANKING UNIT SRINAGAR is still mapped to IFSC JAKA0DBUSGR. 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 JAKA0DBUSGR and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Digital Banking Unit 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 JAKA0DBUSGR 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.

MICR & cheque-truncation details

Cheques drawn on the Digital Banking Unit Srinagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0DBUSGR for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – DIGITAL BANKING UNIT SRINAGAR:

• The IFSC is exactly JAKA0DBUSGR 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 DIGITAL BANKING UNIT SRINAGAR 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.

Reaching the branch

The Digital Banking Unit Srinagar branch sits at DIGITAL BANKING UNIT SRINAGAR,LAL CHOWK, NEWAR GANTA GHAR, SRINAGAR. If you are travelling from outside Srinagar, search for the branch on a maps application using the bank name and locality, or call 914-9419005195 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 JAKA0DBUSGR and your account number.

Verifying IFSC JAKA0DBUSGR 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 JAKA0DBUSGR by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 914-9419005195.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Digital Banking Unit Srinagar 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 JAKA0DBUSGR continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0DBUSGR belongs to Jammu and Kashmir Bank Limited's DIGITAL BANKING UNIT SRINAGAR branch, located at DIGITAL BANKING UNIT SRINAGAR,LAL CHOWK, NEWAR GANTA GHAR, SRINAGAR 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.