IFSC Code of Jammu and Kashmir Bank Limited, Smm Ramnagar Branch, Jammu and Kashmir

If you are searching for the IFSC code of Jammu and Kashmir Bank Limited, SMM RAMNAGAR branch in UDHAMPUR, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is JAKA0RAMNAM. 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 SMM RAMNAGAR branch, and detailed step-by-step guides for using the IFSC JAKA0RAMNAM 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 SMM RAMNAGAR branch, the IFSC JAKA0RAMNAM breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and RAMNAM 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 Smm Ramnagar branch in Udhampur, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0RAMNAM for all electronic settlement.

Branch details at a glance

About the Smm Ramnagar branch

The Smm Ramnagar branch of Jammu and Kashmir Bank Limited is situated at KULWANT ROAD, TEHSIL-RAMNAGAR. 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 JAKA0RAMNAM 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 SMM RAMNAGAR branch came to be assigned the code JAKA0RAMNAM.

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 JAKA0RAMNAM, money simply cannot be routed to the SMM RAMNAGAR branch electronically.

Account types you can open at the Smm Ramnagar branch

Once you have an account at Jammu and Kashmir Bank Limited – SMM RAMNAGAR, the IFSC JAKA0RAMNAM 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 Smm Ramnagar 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 JAKA0RAMNAM

How to transfer money using IFSC JAKA0RAMNAM

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 JAKA0RAMNAM across all three.

How to use IFSC JAKA0RAMNAM 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 SMM RAMNAGAR 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 JAKA0RAMNAM.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as SMM RAMNAGAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC JAKA0RAMNAM

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Jammu and Kashmir Bank Limited – SMM RAMNAGAR, ensure your bank's portal accepts IFSC JAKA0RAMNAM while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jammu and Kashmir Bank Limited SMM RAMNAGAR (IFSC JAKA0RAMNAM)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0RAMNAM in your mobile or internet banking app, and the money is credited to the SMM RAMNAGAR branch account within seconds.

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

All three modes accept the IFSC JAKA0RAMNAM for Jammu and Kashmir Bank Limited – SMM RAMNAGAR, 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 Smm Ramnagar 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 JAKA0RAMNAM

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 – SMM RAMNAGAR is still mapped to IFSC JAKA0RAMNAM. 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 JAKA0RAMNAM and the beneficiary's account number to complete the transfer.

Online banking and IFSC JAKA0RAMNAM

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SMM RAMNAGAR 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 JAKA0RAMNAM 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 Smm Ramnagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0RAMNAM 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 – SMM RAMNAGAR:

• The IFSC is exactly JAKA0RAMNAM 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 SMM RAMNAGAR 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 Smm Ramnagar branch

The branch is located at KULWANT ROAD, TEHSIL-RAMNAGAR, 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 Smm Ramnagar branch” — the verified location pin for IFSC JAKA0RAMNAM should appear at the top of the results.
2. Confirm the branch is open by calling 199-9858144331 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 JAKA0RAMNAM and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0RAMNAM for Jammu and Kashmir Bank Limited – SMM RAMNAGAR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Smm Ramnagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0RAMNAM, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0RAMNAM is the IFSC code of Jammu and Kashmir Bank Limited, SMM RAMNAGAR 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.