Below are the complete branch details for Jammu and Kashmir Bank Limited, SHUHAMA ALUSTENG branch, located in SRINAGAR, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0SHUHAM. 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 JAKA0SHUHAM for Jammu and Kashmir Bank Limited – SHUHAMA ALUSTENG — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 SHUHAMA ALUSTENG branch, the IFSC JAKA0SHUHAM breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and SHUHAM identifies this particular branch.
Branch details at a glance
| Bank Name | Jammu and Kashmir Bank Limited |
|---|---|
| Branch | Shuhama Alusteng |
| IFSC Code | JAKA0SHUHAM |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHUHAMA ALUSTENG, SRINAGAR, JK PIN 190006 |
| City | Srinagar |
| District | Srinagar |
| State | Jammu and Kashmir |
| STD Code | 194 |
| Phone | 2262012 |
About Jammu and Kashmir Bank Limited
Jammu and Kashmir Bank Limited operates a wide network of branches across India, including the Shuhama Alusteng 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, JAKA0SHUHAM.
About this branch
The branch is located at SHUHAMA ALUSTENG, SRINAGAR, JK PIN 190006. 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 JAKA0SHUHAM 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 SHUHAMA ALUSTENG of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0SHUHAM 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 JAKA0SHUHAM 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 JAKA0SHUHAM
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 JAKA0SHUHAM across all three.
NEFT to Jammu and Kashmir Bank Limited, SHUHAMA ALUSTENG using IFSC JAKA0SHUHAM
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 JAKA0SHUHAM, and confirm that the system picks up Jammu and Kashmir Bank Limited – SHUHAMA ALUSTENG. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SHUHAMA ALUSTENG
If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's SHUHAMA ALUSTENG branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0SHUHAM while initiating the transfer and the credit will appear within minutes.
IMPS to Jammu and Kashmir Bank Limited SHUHAMA ALUSTENG (IFSC JAKA0SHUHAM)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0SHUHAM in your mobile or internet banking app, and the money is credited to the SHUHAMA ALUSTENG branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC JAKA0SHUHAM for Jammu and Kashmir Bank Limited – SHUHAMA ALUSTENG, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – JAKA0SHUHAM | Yes – JAKA0SHUHAM | Yes – JAKA0SHUHAM |
For most retail customers crediting the Shuhama Alusteng 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.
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 SHUHAMA ALUSTENG branch, the IFSC JAKA0SHUHAM 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 Shuhama Alusteng branch is mapped to IFSC JAKA0SHUHAM 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 JAKA0SHUHAM.
Products and services
Customers walking into the Shuhama Alusteng 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 JAKA0SHUHAM
MICR & cheque-truncation details
Cheques drawn on the Shuhama Alusteng branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0SHUHAM for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC JAKA0SHUHAM
Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SHUHAMA ALUSTENG 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 JAKA0SHUHAM 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.
Common mistakes to avoid when using IFSC JAKA0SHUHAM
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 – SHUHAMA ALUSTENG, 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:
JAKA0SHUHAM. - 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.
Reaching the branch
The Shuhama Alusteng branch sits at SHUHAMA ALUSTENG, SRINAGAR, JK PIN 190006. If you are travelling from outside Srinagar, search for the branch on a maps application using the bank name and locality, or call 194-2262012 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 JAKA0SHUHAM and your account number.
Verifying IFSC JAKA0SHUHAM 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 JAKA0SHUHAM by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 194-2262012.
- Visiting the bank's official branch locator page.
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 Shuhama Alusteng branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0SHUHAM, however, work 24x7.
Branch address & contact
Jammu and Kashmir Bank LimitedShuhama Alusteng Branch
SHUHAMA ALUSTENG, SRINAGAR, JK PIN 190006
Srinagar, Jammu and Kashmir
Phone: 194-2262012
IFSC: JAKA0SHUHAM
Frequently asked questions
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Shuhama Alusteng branch but serve different purposes.
Is IFSC JAKA0SHUHAM the same for all accounts at Shuhama Alusteng branch?
Yes. The IFSC JAKA0SHUHAM is shared by every account held at Jammu and Kashmir Bank Limited's Shuhama Alusteng branch. Only the account number changes from customer to customer.
How do I add Jammu and Kashmir Bank Limited Shuhama Alusteng as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC JAKA0SHUHAM, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using JAKA0SHUHAM be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Jammu and Kashmir Bank Limited – Shuhama Alusteng reflect within 30 minutes.
What is the phone number of Jammu and Kashmir Bank Limited Shuhama Alusteng branch?
You can reach the branch at 194-2262012 during regular banking hours.
Does Jammu and Kashmir Bank Limited Shuhama Alusteng branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 194-2262012 to confirm.
Can I use IFSC JAKA0SHUHAM for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC JAKA0SHUHAM to send funds instantly.
Where is Jammu and Kashmir Bank Limited Shuhama Alusteng branch located?
Jammu and Kashmir Bank Limited's Shuhama Alusteng branch is located at SHUHAMA ALUSTENG, SRINAGAR, JK PIN 190006, Srinagar, Jammu and Kashmir.
Summary
The IFSC code JAKA0SHUHAM belongs to Jammu and Kashmir Bank Limited's SHUHAMA ALUSTENG branch, located at SHUHAMA ALUSTENG, SRINAGAR, JK PIN 190006 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.
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