IFSC Code of Reserve Bank of India, Rbi, Jammu, Govt of Jammu and Kashmir Branch, Jammu and Kashmir

Use this page as a one-stop reference for everything related to Reserve Bank of India's RBI, JAMMU, GOVT OF JAMMU AND KASHMIR branch in JAMMU, JAMMU AND KASHMIR. The branch's IFSC code RBIS0GOJKEP is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Reserve Bank of India – RBI, JAMMU, GOVT OF JAMMU AND KASHMIR is RBIS0GOJKEP. The first four letters RBIS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GOJKEP map to this branch in JAMMU, JAMMU AND KASHMIR.

Bank profile

Reserve Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Rbi, Jammu, Govt of Jammu and Kashmir branch — IFSC RBIS0GOJKEP — extends the bank's services to customers in and around Jammu, Jammu and Kashmir.

About the Rbi, Jammu, Govt of Jammu and Kashmir branch

The Rbi, Jammu, Govt of Jammu and Kashmir branch of Reserve Bank of India is situated at RAIL HEAD COMPLEX JAMMU - 180 012, INDIA. 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 RBIS0GOJKEP is used.

Branch details at a glance

Why every Reserve Bank of India 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 RBI, JAMMU, GOVT OF JAMMU AND KASHMIR of Reserve Bank of India — its own 11-character IFSC. The code RBIS0GOJKEP 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 RBIS0GOJKEP the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Rbi, Jammu, Govt of Jammu and Kashmir branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC RBIS0GOJKEP 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 RBIS0GOJKEP

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 RBIS0GOJKEP across all three.

NEFT to Reserve Bank of India, RBI, JAMMU, GOVT OF JAMMU AND KASHMIR using IFSC RBIS0GOJKEP

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 RBIS0GOJKEP, and confirm that the system picks up Reserve Bank of India – RBI, JAMMU, GOVT OF JAMMU AND KASHMIR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC RBIS0GOJKEP

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 Reserve Bank of India – RBI, JAMMU, GOVT OF JAMMU AND KASHMIR, ensure your bank's portal accepts IFSC RBIS0GOJKEP while registering the beneficiary. RTGS is also available 24x7.

IMPS to Reserve Bank of India RBI, JAMMU, GOVT OF JAMMU AND KASHMIR (IFSC RBIS0GOJKEP)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC RBIS0GOJKEP in your mobile or internet banking app, and the money is credited to the RBI, JAMMU, GOVT OF JAMMU AND KASHMIR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Rbi, Jammu, Govt of Jammu and Kashmir

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 RBIS0GOJKEP:

• 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 RBI, JAMMU, GOVT OF JAMMU AND KASHMIR is still linked to IFSC RBIS0GOJKEP.

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 Reserve Bank of India's RBI, JAMMU, GOVT OF JAMMU AND KASHMIR branch, the IFSC RBIS0GOJKEP 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.

Account types you can open at the Rbi, Jammu, Govt of Jammu and Kashmir branch

Once you have an account at Reserve Bank of India – RBI, JAMMU, GOVT OF JAMMU AND KASHMIR, the IFSC RBIS0GOJKEP 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 Rbi, Jammu, Govt of Jammu and Kashmir branch can access most of Reserve Bank of India'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 RBIS0GOJKEP

Online banking and IFSC RBIS0GOJKEP

Reserve Bank of India customers can register for net banking and the bank's official mobile app once their account at the RBI, JAMMU, GOVT OF JAMMU AND KASHMIR 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 RBIS0GOJKEP 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.

How to reach the Rbi, Jammu, Govt of Jammu and Kashmir branch

The branch is located at RAIL HEAD COMPLEX JAMMU - 180 012, INDIA, which puts it inside Jammu, the broader Jammu district, and the state of Jammu and Kashmir. To plan your visit:

1. Open Google Maps on your phone and search for “Reserve Bank of India Rbi, Jammu, Govt of Jammu and Kashmir branch” — the verified location pin for IFSC RBIS0GOJKEP should appear at the top of the results.
2. Confirm the branch is open by calling 191-2470061 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 RBIS0GOJKEP and your account number.

Common mistakes to avoid when using IFSC RBIS0GOJKEP

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 Reserve Bank of India – RBI, JAMMU, GOVT OF JAMMU AND KASHMIR, 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: RBIS0GOJKEP.
• 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 Rbi, Jammu, Govt of Jammu and Kashmir 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 RBIS0GOJKEP continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC RBIS0GOJKEP for Reserve Bank of India – RBI, JAMMU, GOVT OF JAMMU AND KASHMIR, 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 address & contact

Frequently asked questions

Summary

The IFSC code RBIS0GOJKEP belongs to Reserve Bank of India's RBI, JAMMU, GOVT OF JAMMU AND KASHMIR branch, located at RAIL HEAD COMPLEX JAMMU - 180 012, INDIA in JAMMU, 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.