IFSC Code of Jammu and Kashmir Bank Limited, Ebu Chirayi Muttal Branch, Jammu and Kashmir

Below are the complete branch details for Jammu and Kashmir Bank Limited, EBU CHIRAYI MUTTAL branch, located in UDHAMPUR, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0EBCHIR. 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 JAKA0EBCHIR for Jammu and Kashmir Bank Limited – EBU CHIRAYI MUTTAL — 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 EBU CHIRAYI MUTTAL branch, the IFSC JAKA0EBCHIR breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and EBCHIR identifies this particular branch.

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 Ebu Chirayi Muttal branch in Udhampur, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0EBCHIR for all electronic settlement.

Branch details at a glance

About the Ebu Chirayi Muttal branch

The Ebu Chirayi Muttal branch of Jammu and Kashmir Bank Limited is situated at MUTTAL CHIRYAI, BLOCK TIKRI, DISTT UDHAMPUR. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code JAKA0EBCHIR is used.

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 EBU CHIRAYI MUTTAL of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0EBCHIR 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 JAKA0EBCHIR the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Ebu Chirayi Muttal branch

Once you have an account at Jammu and Kashmir Bank Limited – EBU CHIRAYI MUTTAL, the IFSC JAKA0EBCHIR 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.

Products and services

Customers walking into the Ebu Chirayi Muttal 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 JAKA0EBCHIR

How to transfer money using IFSC JAKA0EBCHIR

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 JAKA0EBCHIR across all three.

How to use IFSC JAKA0EBCHIR 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 EBU CHIRAYI MUTTAL 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 JAKA0EBCHIR.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as EBU CHIRAYI MUTTAL.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to EBU CHIRAYI MUTTAL

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's EBU CHIRAYI MUTTAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0EBCHIR 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 – EBU CHIRAYI MUTTAL, use IMPS. With IFSC JAKA0EBCHIR 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 JAKA0EBCHIR for Jammu and Kashmir Bank Limited – EBU CHIRAYI MUTTAL, 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 Ebu Chirayi Muttal 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 EBU CHIRAYI MUTTAL branch, the IFSC JAKA0EBCHIR 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.

Online banking and IFSC JAKA0EBCHIR

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the EBU CHIRAYI MUTTAL 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 JAKA0EBCHIR 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 Ebu Chirayi Muttal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0EBCHIR 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 – EBU CHIRAYI MUTTAL:

• The IFSC is exactly JAKA0EBCHIR 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 EBU CHIRAYI MUTTAL 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.

Reaching the branch

The Ebu Chirayi Muttal branch sits at MUTTAL CHIRYAI, BLOCK TIKRI, DISTT UDHAMPUR. If you are travelling from outside Udhampur, search for the branch on a maps application using the bank name and locality, or call 91-9419189392 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 JAKA0EBCHIR and your account number.

Verifying IFSC JAKA0EBCHIR 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 JAKA0EBCHIR by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9419189392.
• 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 Ebu Chirayi Muttal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0EBCHIR, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0EBCHIR is the IFSC code of Jammu and Kashmir Bank Limited, EBU CHIRAYI MUTTAL branch, in UDHAMPUR, 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.