IFSC Code of Jammu and Kashmir Bank Limited, Industrial Estate Zainakote Branch, Jammu and Kashmir

If you are searching for the IFSC code of Jammu and Kashmir Bank Limited, INDUSTRIAL ESTATE ZAINAKOTE branch in SRINAGAR, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is JAKA0INDZAN. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the INDUSTRIAL ESTATE ZAINAKOTE branch, and detailed step-by-step guides for using the IFSC JAKA0INDZAN across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 INDUSTRIAL ESTATE ZAINAKOTE branch, the IFSC JAKA0INDZAN breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and INDZAN identifies this particular branch.

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 Industrial Estate Zainakote branch in Srinagar, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0INDZAN for all electronic settlement.

Branch details at a glance

About the Industrial Estate Zainakote branch

The Industrial Estate Zainakote branch of Jammu and Kashmir Bank Limited is situated at GROUND FLOOR, ZONAL OFFICE KASHMIR CENTRAL-2, BUDGAM, INDUSTRIAL ESTATE ZAINAKOTE, SRINAGAR, JK , PIN 190012. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code JAKA0INDZAN is used.

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 INDUSTRIAL ESTATE ZAINAKOTE branch came to be assigned the code JAKA0INDZAN.

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 JAKA0INDZAN, money simply cannot be routed to the INDUSTRIAL ESTATE ZAINAKOTE branch electronically.

Account types you can open at the Industrial Estate Zainakote branch

Once you have an account at Jammu and Kashmir Bank Limited – INDUSTRIAL ESTATE ZAINAKOTE, the IFSC JAKA0INDZAN 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.

Banking services available

The Industrial Estate Zainakote branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 194-9622831400.

• 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 JAKA0INDZAN

How to transfer money using IFSC JAKA0INDZAN

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 JAKA0INDZAN across all three.

How to use IFSC JAKA0INDZAN 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 INDUSTRIAL ESTATE ZAINAKOTE 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 JAKA0INDZAN.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as INDUSTRIAL ESTATE ZAINAKOTE.
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 JAKA0INDZAN

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 – INDUSTRIAL ESTATE ZAINAKOTE, ensure your bank's portal accepts IFSC JAKA0INDZAN while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jammu and Kashmir Bank Limited INDUSTRIAL ESTATE ZAINAKOTE (IFSC JAKA0INDZAN)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0INDZAN in your mobile or internet banking app, and the money is credited to the INDUSTRIAL ESTATE ZAINAKOTE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Industrial Estate Zainakote

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 JAKA0INDZAN:

• 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 INDUSTRIAL ESTATE ZAINAKOTE is still linked to IFSC JAKA0INDZAN.

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 JAKA0INDZAN

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 – INDUSTRIAL ESTATE ZAINAKOTE is still mapped to IFSC JAKA0INDZAN. 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 JAKA0INDZAN and the beneficiary's account number to complete the transfer.

Online banking and IFSC JAKA0INDZAN

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the INDUSTRIAL ESTATE ZAINAKOTE 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 JAKA0INDZAN 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.

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 JAKA0INDZAN and the account number together uniquely identify the Industrial Estate Zainakote branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC JAKA0INDZAN

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 – INDUSTRIAL ESTATE ZAINAKOTE, 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: JAKA0INDZAN.
• 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.

How to reach the Industrial Estate Zainakote branch

The branch is located at GROUND FLOOR, ZONAL OFFICE KASHMIR CENTRAL-2, BUDGAM, INDUSTRIAL ESTATE ZAINAKOTE, SRINAGAR, JK , PIN 190012, 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 Industrial Estate Zainakote branch” — the verified location pin for IFSC JAKA0INDZAN should appear at the top of the results.
2. Confirm the branch is open by calling 194-9622831400 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 JAKA0INDZAN and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0INDZAN for Jammu and Kashmir Bank Limited – INDUSTRIAL ESTATE ZAINAKOTE, 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.

Working hours

Branch counters at Industrial Estate Zainakote 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 JAKA0INDZAN continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0INDZAN is the IFSC code of Jammu and Kashmir Bank Limited, INDUSTRIAL ESTATE ZAINAKOTE 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.