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

If you are searching for the IFSC code of Jammu and Kashmir Bank Limited, SHIV NAGAR UDHAMPUR branch in UDHAMPUR, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is JAKA0SHIVJI. 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 SHIV NAGAR UDHAMPUR branch, and detailed step-by-step guides for using the IFSC JAKA0SHIVJI 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 SHIV NAGAR UDHAMPUR branch, the IFSC JAKA0SHIVJI breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and SHIVJI identifies this particular branch.

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 Shiv Nagar 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, JAKA0SHIVJI.

About the Shiv Nagar Udhampur branch

The Shiv Nagar Udhampur branch of Jammu and Kashmir Bank Limited is situated at SHIVNAGAR,NATIONAL HIGHWAY 1A,. 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 JAKA0SHIVJI is used.

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 SHIV NAGAR UDHAMPUR branch came to be assigned the code JAKA0SHIVJI.

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 JAKA0SHIVJI, money simply cannot be routed to the SHIV NAGAR UDHAMPUR branch electronically.

How to transfer money using IFSC JAKA0SHIVJI

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 JAKA0SHIVJI across all three.

How to use IFSC JAKA0SHIVJI 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 SHIV NAGAR UDHAMPUR 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 JAKA0SHIVJI.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as SHIV NAGAR UDHAMPUR.
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 SHIV NAGAR UDHAMPUR

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's SHIV NAGAR UDHAMPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0SHIVJI while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited SHIV NAGAR UDHAMPUR (IFSC JAKA0SHIVJI)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0SHIVJI in your mobile or internet banking app, and the money is credited to the SHIV NAGAR UDHAMPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Shiv Nagar 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 JAKA0SHIVJI:

• 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 SHIV NAGAR UDHAMPUR is still linked to IFSC JAKA0SHIVJI.

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.

UPI payments and IFSC JAKA0SHIVJI

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 – SHIV NAGAR UDHAMPUR is still mapped to IFSC JAKA0SHIVJI. 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 JAKA0SHIVJI and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Shiv Nagar Udhampur branch is mapped to IFSC JAKA0SHIVJI 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 JAKA0SHIVJI.

Products and services

Customers walking into the Shiv 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 JAKA0SHIVJI

MICR & cheque-truncation details

Cheques drawn on the Shiv Nagar Udhampur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0SHIVJI 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 Shiv Nagar 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 JAKA0SHIVJI 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.

Common mistakes to avoid when using IFSC JAKA0SHIVJI

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 – SHIV 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: JAKA0SHIVJI.
• 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.

How to reach the Shiv Nagar Udhampur branch

The branch is located at SHIVNAGAR,NATIONAL HIGHWAY 1A,, 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 Shiv Nagar Udhampur branch” — the verified location pin for IFSC JAKA0SHIVJI should appear at the top of the results.
2. Confirm the branch is open by calling 199-7298004689 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 JAKA0SHIVJI and your account number.

Verifying IFSC JAKA0SHIVJI 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 JAKA0SHIVJI by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 199-7298004689.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Shiv 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 JAKA0SHIVJI continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0SHIVJI belongs to Jammu and Kashmir Bank Limited's SHIV NAGAR UDHAMPUR branch, located at SHIVNAGAR,NATIONAL HIGHWAY 1A, 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.