IFSC Code of Jammu and Kashmir Bank Limited, Khanyar Srinagar Branch, Jammu and Kashmir

Use this page as a one-stop reference for everything related to Jammu and Kashmir Bank Limited's KHANYAR SRINAGAR branch in SRINAGAR, JAMMU AND KASHMIR. The branch's IFSC code JAKA0SHIRAZ 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.

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 KHANYAR SRINAGAR branch, the IFSC JAKA0SHIRAZ breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and SHIRAZ identifies this particular branch.

About Jammu and Kashmir Bank Limited

Jammu and Kashmir Bank Limited operates a wide network of branches across India, including the Khanyar Srinagar branch in Srinagar. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, JAKA0SHIRAZ.

About this branch

The branch is located at NEAR SHIRAZ CINEMA. 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 JAKA0SHIRAZ 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 KHANYAR SRINAGAR branch came to be assigned the code JAKA0SHIRAZ.

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 JAKA0SHIRAZ, money simply cannot be routed to the KHANYAR SRINAGAR branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Khanyar Srinagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0SHIRAZ 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 JAKA0SHIRAZ

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 JAKA0SHIRAZ across all three.

How to use IFSC JAKA0SHIRAZ 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 KHANYAR 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 JAKA0SHIRAZ.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as KHANYAR 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 JAKA0SHIRAZ

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 – KHANYAR SRINAGAR, ensure your bank's portal accepts IFSC JAKA0SHIRAZ 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 – KHANYAR SRINAGAR, use IMPS. With IFSC JAKA0SHIRAZ 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 Khanyar 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 JAKA0SHIRAZ:

• 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 KHANYAR SRINAGAR is still linked to IFSC JAKA0SHIRAZ.

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.

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 KHANYAR SRINAGAR branch, the IFSC JAKA0SHIRAZ 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 Khanyar Srinagar branch is mapped to IFSC JAKA0SHIRAZ 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 JAKA0SHIRAZ.

Products and services

Customers walking into the Khanyar 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 JAKA0SHIRAZ

Digital banking channels

Most day-to-day work that customers used to do at the Khanyar 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 JAKA0SHIRAZ 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 Khanyar Srinagar branch

The branch is located at NEAR SHIRAZ CINEMA, 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 Khanyar Srinagar branch” — the verified location pin for IFSC JAKA0SHIRAZ should appear at the top of the results.
2. Confirm the branch is open by calling 194-2458969 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 JAKA0SHIRAZ and your account number.

Common mistakes to avoid when using IFSC JAKA0SHIRAZ

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 – KHANYAR 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: JAKA0SHIRAZ.
• 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.

Working hours

Branch counters at Khanyar 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 JAKA0SHIRAZ continue to work without interruption.

Verifying IFSC JAKA0SHIRAZ 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 JAKA0SHIRAZ by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 194-2458969.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0SHIRAZ is the IFSC code of Jammu and Kashmir Bank Limited, KHANYAR SRINAGAR 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.