IFSC Code of Jammu and Kashmir Bank Limited, Zonal Impaired Asset Recovery Branch Srinagar Branch, Jammu and Kashmir

Use this page as a one-stop reference for everything related to Jammu and Kashmir Bank Limited's ZONAL IMPAIRED ASSET RECOVERY BRANCH SRINAGAR branch in SRINAGAR, JAMMU AND KASHMIR. The branch's IFSC code JAKA0ZIARSG 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.

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 – ZONAL IMPAIRED ASSET RECOVERY BRANCH SRINAGAR is JAKA0ZIARSG. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters ZIARSG map to this branch in SRINAGAR, JAMMU AND KASHMIR.

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 Zonal Impaired Asset Recovery Branch Srinagar branch in Srinagar, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0ZIARSG for all electronic settlement.

Branch details at a glance

Zonal Impaired Asset Recovery Branch Srinagar branch overview

Located at ZONAL OFFICE SRINAGAR M.A ROAD OPP.WOMEN S COLLEGE SRINAGAR PIN 190001, the Zonal Impaired Asset Recovery Branch Srinagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JAKA0ZIARSG is required for all interbank electronic transfers routed through this branch.

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 ZONAL IMPAIRED ASSET RECOVERY BRANCH SRINAGAR branch came to be assigned the code JAKA0ZIARSG.

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 JAKA0ZIARSG, money simply cannot be routed to the ZONAL IMPAIRED ASSET RECOVERY BRANCH SRINAGAR branch electronically.

Account types you can open at the Zonal Impaired Asset Recovery Branch Srinagar branch

Once you have an account at Jammu and Kashmir Bank Limited – ZONAL IMPAIRED ASSET RECOVERY BRANCH SRINAGAR, the IFSC JAKA0ZIARSG 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 Zonal Impaired Asset Recovery Branch Srinagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9622632968.

• 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 JAKA0ZIARSG

How to transfer money using IFSC JAKA0ZIARSG

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 JAKA0ZIARSG across all three.

NEFT to Jammu and Kashmir Bank Limited, ZONAL IMPAIRED ASSET RECOVERY BRANCH SRINAGAR using IFSC JAKA0ZIARSG

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 JAKA0ZIARSG, and confirm that the system picks up Jammu and Kashmir Bank Limited – ZONAL IMPAIRED ASSET RECOVERY BRANCH SRINAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ZONAL IMPAIRED ASSET RECOVERY BRANCH SRINAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's ZONAL IMPAIRED ASSET RECOVERY BRANCH SRINAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0ZIARSG while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Jammu and Kashmir Bank Limited – ZONAL IMPAIRED ASSET RECOVERY BRANCH SRINAGAR, use IMPS. With IFSC JAKA0ZIARSG and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC JAKA0ZIARSG for Jammu and Kashmir Bank Limited – ZONAL IMPAIRED ASSET RECOVERY BRANCH 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 Zonal Impaired Asset Recovery Branch 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 JAKA0ZIARSG

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 – ZONAL IMPAIRED ASSET RECOVERY BRANCH SRINAGAR is still mapped to IFSC JAKA0ZIARSG. 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 JAKA0ZIARSG and the beneficiary's account number to complete the transfer.

Online banking and IFSC JAKA0ZIARSG

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ZONAL IMPAIRED ASSET RECOVERY BRANCH SRINAGAR 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 JAKA0ZIARSG 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 & cheque-truncation details

Cheques drawn on the Zonal Impaired Asset Recovery Branch Srinagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0ZIARSG for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – ZONAL IMPAIRED ASSET RECOVERY BRANCH SRINAGAR:

• The IFSC is exactly JAKA0ZIARSG 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 ZONAL IMPAIRED ASSET RECOVERY BRANCH SRINAGAR 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.

How to reach the Zonal Impaired Asset Recovery Branch Srinagar branch

The branch is located at ZONAL OFFICE SRINAGAR M.A ROAD OPP.WOMEN S COLLEGE SRINAGAR PIN 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 Zonal Impaired Asset Recovery Branch Srinagar branch” — the verified location pin for IFSC JAKA0ZIARSG should appear at the top of the results.
2. Confirm the branch is open by calling 9622632968 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 JAKA0ZIARSG and your account number.

Verifying IFSC JAKA0ZIARSG 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 JAKA0ZIARSG by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9622632968.
• 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 Zonal Impaired Asset Recovery Branch Srinagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0ZIARSG, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0ZIARSG is the IFSC code of Jammu and Kashmir Bank Limited, ZONAL IMPAIRED ASSET RECOVERY BRANCH 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.