IFSC Code of Jammu and Kashmir Bank Limited, Lcu Residency Road Srinagar Branch, Jammu and Kashmir

Below are the complete branch details for Jammu and Kashmir Bank Limited, LCU RESIDENCY ROAD SRINAGAR branch, located in SRINAGAR, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0LCUSGR. 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 JAKA0LCUSGR for Jammu and Kashmir Bank Limited – LCU RESIDENCY ROAD SRINAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – LCU RESIDENCY ROAD SRINAGAR is JAKA0LCUSGR. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters LCUSGR map to this branch in SRINAGAR, JAMMU AND KASHMIR.

Branch details at a glance

Bank profile

Jammu and Kashmir Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Lcu Residency Road Srinagar branch — IFSC JAKA0LCUSGR — extends the bank's services to customers in and around Srinagar, Jammu and Kashmir.

About this branch

The branch is located at LAL CHOWK, SRINAGAR 190001. 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 JAKA0LCUSGR is used to identify this branch on the RBI payments network.

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 LCU RESIDENCY ROAD SRINAGAR of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0LCUSGR 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 JAKA0LCUSGR the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC JAKA0LCUSGR

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 JAKA0LCUSGR across all three.

NEFT to Jammu and Kashmir Bank Limited, LCU RESIDENCY ROAD SRINAGAR using IFSC JAKA0LCUSGR

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 JAKA0LCUSGR, and confirm that the system picks up Jammu and Kashmir Bank Limited – LCU RESIDENCY ROAD SRINAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC JAKA0LCUSGR

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 – LCU RESIDENCY ROAD SRINAGAR, ensure your bank's portal accepts IFSC JAKA0LCUSGR while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jammu and Kashmir Bank Limited LCU RESIDENCY ROAD SRINAGAR (IFSC JAKA0LCUSGR)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0LCUSGR in your mobile or internet banking app, and the money is credited to the LCU RESIDENCY ROAD SRINAGAR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC JAKA0LCUSGR for Jammu and Kashmir Bank Limited – LCU RESIDENCY ROAD 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 Lcu Residency Road 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.

UPI payments and IFSC JAKA0LCUSGR

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 – LCU RESIDENCY ROAD SRINAGAR is still mapped to IFSC JAKA0LCUSGR. 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 JAKA0LCUSGR and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Lcu Residency Road Srinagar branch is mapped to IFSC JAKA0LCUSGR 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 JAKA0LCUSGR.

Banking services available

The Lcu Residency Road Srinagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 194-9906661281.

• 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 JAKA0LCUSGR

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 JAKA0LCUSGR and the account number together uniquely identify the Lcu Residency Road Srinagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Lcu Residency Road 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 JAKA0LCUSGR 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.

Common mistakes to avoid when using IFSC JAKA0LCUSGR

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 – LCU RESIDENCY ROAD 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: JAKA0LCUSGR.
• 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 Lcu Residency Road Srinagar branch

The branch is located at LAL CHOWK, SRINAGAR 190001, 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 Lcu Residency Road Srinagar branch” — the verified location pin for IFSC JAKA0LCUSGR should appear at the top of the results.
2. Confirm the branch is open by calling 194-9906661281 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 JAKA0LCUSGR and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0LCUSGR for Jammu and Kashmir Bank Limited – LCU RESIDENCY ROAD 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.

Working hours

Branch counters at Lcu Residency Road 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 JAKA0LCUSGR continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0LCUSGR belongs to Jammu and Kashmir Bank Limited's LCU RESIDENCY ROAD SRINAGAR branch, located at LAL CHOWK, SRINAGAR 190001 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.