IFSC Code of Jammu and Kashmir Bank Limited, Trc Srinagr Branch, Jammu and Kashmir

If you are searching for the IFSC code of Jammu and Kashmir Bank Limited, TRC SRINAGR branch in SRINAGAR, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is JAKA0TRCSGR. 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 TRC SRINAGR branch, and detailed step-by-step guides for using the IFSC JAKA0TRCSGR 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 TRC SRINAGR branch, the IFSC JAKA0TRCSGR breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and TRCSGR identifies this particular branch.

Bank profile

Jammu and Kashmir Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Trc Srinagr branch — IFSC JAKA0TRCSGR — extends the bank's services to customers in and around Srinagar, Jammu and Kashmir.

About this branch

The branch is located at TRC, EXTENSION, OPPOSITE SBI BANK,RAJBAGH. 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 JAKA0TRCSGR 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 TRC SRINAGR branch came to be assigned the code JAKA0TRCSGR.

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 JAKA0TRCSGR, money simply cannot be routed to the TRC SRINAGR branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Trc Srinagr branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0TRCSGR 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 JAKA0TRCSGR

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 JAKA0TRCSGR across all three.

NEFT to Jammu and Kashmir Bank Limited, TRC SRINAGR using IFSC JAKA0TRCSGR

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 JAKA0TRCSGR, and confirm that the system picks up Jammu and Kashmir Bank Limited – TRC SRINAGR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to TRC SRINAGR

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's TRC SRINAGR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0TRCSGR while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited TRC SRINAGR (IFSC JAKA0TRCSGR)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0TRCSGR in your mobile or internet banking app, and the money is credited to the TRC SRINAGR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Trc Srinagr

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 JAKA0TRCSGR:

• 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 TRC SRINAGR is still linked to IFSC JAKA0TRCSGR.

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 TRC SRINAGR branch, the IFSC JAKA0TRCSGR 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 Trc Srinagr branch is mapped to IFSC JAKA0TRCSGR 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 JAKA0TRCSGR.

Banking services available

The Trc Srinagr branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 194-2450012.

• 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 JAKA0TRCSGR

Online banking and IFSC JAKA0TRCSGR

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the TRC SRINAGR 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 JAKA0TRCSGR 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.

Reaching the branch

The Trc Srinagr branch sits at TRC, EXTENSION, OPPOSITE SBI BANK,RAJBAGH. If you are travelling from outside Srinagar, search for the branch on a maps application using the bank name and locality, or call 194-2450012 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 JAKA0TRCSGR and your account number.

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 – TRC SRINAGR:

• The IFSC is exactly JAKA0TRCSGR 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 TRC SRINAGR 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.

Working hours

Branch counters at Trc Srinagr 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 JAKA0TRCSGR continue to work without interruption.

Verifying IFSC JAKA0TRCSGR 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 JAKA0TRCSGR by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 194-2450012.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0TRCSGR belongs to Jammu and Kashmir Bank Limited's TRC SRINAGR branch, located at TRC, EXTENSION, OPPOSITE SBI BANK,RAJBAGH 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.