IFSC Code of Jammu and Kashmir Bank Limited, Industrial Estate Sicop Complex Udhampur Branch, Jammu and Kashmir

If you are searching for the IFSC code of Jammu and Kashmir Bank Limited, INDUSTRIAL ESTATE SICOP COMPLEX UDHAMPUR branch in UDHAMPUR, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is JAKA0INDUDH. 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 INDUSTRIAL ESTATE SICOP COMPLEX UDHAMPUR branch, and detailed step-by-step guides for using the IFSC JAKA0INDUDH 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, JAKA0INDUDH is the IFSC of Jammu and Kashmir Bank Limited's INDUSTRIAL ESTATE SICOP COMPLEX UDHAMPUR branch. The format is fixed: JAKA = bank code, 0 = reserved, INDUDH = branch identifier.

Branch details at a glance

About Jammu and Kashmir Bank Limited

Jammu and Kashmir Bank Limited operates a wide network of branches across India, including the Industrial Estate Sicop Complex Udhampur branch in Udhampur. 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, JAKA0INDUDH.

About this branch

The branch is located at IID CENTRE, BATTAL BALLION, UDHAMPUR, PIN-182101. It serves the Udhampur 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 JAKA0INDUDH is used to identify this branch on the RBI payments network.

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 INDUSTRIAL ESTATE SICOP COMPLEX UDHAMPUR branch came to be assigned the code JAKA0INDUDH.

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 JAKA0INDUDH, money simply cannot be routed to the INDUSTRIAL ESTATE SICOP COMPLEX UDHAMPUR branch electronically.

How to transfer money using IFSC JAKA0INDUDH

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 JAKA0INDUDH across all three.

NEFT to Jammu and Kashmir Bank Limited, INDUSTRIAL ESTATE SICOP COMPLEX UDHAMPUR using IFSC JAKA0INDUDH

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 JAKA0INDUDH, and confirm that the system picks up Jammu and Kashmir Bank Limited – INDUSTRIAL ESTATE SICOP COMPLEX UDHAMPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to INDUSTRIAL ESTATE SICOP COMPLEX UDHAMPUR

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's INDUSTRIAL ESTATE SICOP COMPLEX UDHAMPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0INDUDH while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited INDUSTRIAL ESTATE SICOP COMPLEX UDHAMPUR (IFSC JAKA0INDUDH)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0INDUDH in your mobile or internet banking app, and the money is credited to the INDUSTRIAL ESTATE SICOP COMPLEX UDHAMPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Industrial Estate Sicop Complex Udhampur

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 JAKA0INDUDH:

• 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 INDUSTRIAL ESTATE SICOP COMPLEX UDHAMPUR is still linked to IFSC JAKA0INDUDH.

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 INDUSTRIAL ESTATE SICOP COMPLEX UDHAMPUR branch, the IFSC JAKA0INDUDH 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 Industrial Estate Sicop Complex Udhampur branch is mapped to IFSC JAKA0INDUDH 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 JAKA0INDUDH.

Products and services

Customers walking into the Industrial Estate Sicop Complex Udhampur 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 JAKA0INDUDH

MICR & cheque-truncation details

Cheques drawn on the Industrial Estate Sicop Complex Udhampur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0INDUDH for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Industrial Estate Sicop Complex Udhampur 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 JAKA0INDUDH 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.

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 – INDUSTRIAL ESTATE SICOP COMPLEX UDHAMPUR:

• The IFSC is exactly JAKA0INDUDH 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 INDUSTRIAL ESTATE SICOP COMPLEX UDHAMPUR 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 Industrial Estate Sicop Complex Udhampur branch

The branch is located at IID CENTRE, BATTAL BALLION, UDHAMPUR, PIN-182101, which puts it inside Udhampur, the broader Udhampur 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 Industrial Estate Sicop Complex Udhampur branch” — the verified location pin for IFSC JAKA0INDUDH should appear at the top of the results.
2. Confirm the branch is open by calling 199-9086000112 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 JAKA0INDUDH and your account number.

Verifying IFSC JAKA0INDUDH 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 JAKA0INDUDH by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 199-9086000112.
• 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 Industrial Estate Sicop Complex Udhampur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0INDUDH, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0INDUDH is the IFSC code of Jammu and Kashmir Bank Limited, INDUSTRIAL ESTATE SICOP COMPLEX UDHAMPUR 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.