IFSC Code of Jammu and Kashmir Bank Limited, Shakti Nagar Udhampur Branch, Jammu and Kashmir

Below are the complete branch details for Jammu and Kashmir Bank Limited, SHAKTI NAGAR UDHAMPUR branch, located in UDHAMPUR, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0SHAKTI. 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 JAKA0SHAKTI for Jammu and Kashmir Bank Limited – SHAKTI NAGAR UDHAMPUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, JAKA0SHAKTI is the IFSC of Jammu and Kashmir Bank Limited's SHAKTI NAGAR UDHAMPUR branch. The format is fixed: JAKA = bank code, 0 = reserved, SHAKTI = branch identifier.

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 Shakti Nagar Udhampur branch in Udhampur, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0SHAKTI for all electronic settlement.

Shakti Nagar Udhampur branch overview

Located at SHAKTI NAGAR UDAMPHUR, the Shakti Nagar Udhampur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JAKA0SHAKTI is required for all interbank electronic transfers routed through this branch.

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 SHAKTI NAGAR UDHAMPUR branch came to be assigned the code JAKA0SHAKTI.

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 JAKA0SHAKTI, money simply cannot be routed to the SHAKTI NAGAR UDHAMPUR branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Shakti Nagar Udhampur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0SHAKTI 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 JAKA0SHAKTI

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 JAKA0SHAKTI across all three.

NEFT to Jammu and Kashmir Bank Limited, SHAKTI NAGAR UDHAMPUR using IFSC JAKA0SHAKTI

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 JAKA0SHAKTI, and confirm that the system picks up Jammu and Kashmir Bank Limited – SHAKTI NAGAR 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 SHAKTI NAGAR UDHAMPUR

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's SHAKTI NAGAR UDHAMPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0SHAKTI 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 – SHAKTI NAGAR UDHAMPUR, use IMPS. With IFSC JAKA0SHAKTI 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 JAKA0SHAKTI for Jammu and Kashmir Bank Limited – SHAKTI NAGAR UDHAMPUR, 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 Shakti Nagar Udhampur 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 SHAKTI NAGAR UDHAMPUR branch, the IFSC JAKA0SHAKTI 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 Shakti Nagar Udhampur branch is mapped to IFSC JAKA0SHAKTI 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 JAKA0SHAKTI.

Products and services

Customers walking into the Shakti Nagar 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 JAKA0SHAKTI

Online banking and IFSC JAKA0SHAKTI

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SHAKTI NAGAR UDHAMPUR 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 JAKA0SHAKTI 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 Shakti Nagar Udhampur branch sits at SHAKTI NAGAR UDAMPHUR. If you are travelling from outside Udhampur, search for the branch on a maps application using the bank name and locality, or call 199-7298004625 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 JAKA0SHAKTI and your account number.

Common mistakes to avoid when using IFSC JAKA0SHAKTI

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 – SHAKTI NAGAR UDHAMPUR, 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: JAKA0SHAKTI.
• 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.

Working hours

Branch counters at Shakti Nagar Udhampur 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 JAKA0SHAKTI continue to work without interruption.

Verifying IFSC JAKA0SHAKTI 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 JAKA0SHAKTI by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 199-7298004625.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0SHAKTI belongs to Jammu and Kashmir Bank Limited's SHAKTI NAGAR UDHAMPUR branch, located at SHAKTI NAGAR UDAMPHUR in UDHAMPUR, 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.