IFSC Code JAKA0LUDHIA - Jammu And Kashmir Bank Limited Chaura Bazar Ludhiana

Jammu And Kashmir Bank Limited Chaura Bazar Ludhiana Branch IFSC Code JAKA0LUDHIA — Complete Banking Guide for Ludhiana, Punjab

IFSC code JAKA0LUDHIA belongs to the Chaura Bazar Ludhiana branch of Jammu And Kashmir Bank Limited in Ludhiana, Ludhiana district, Punjab. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC JAKA0LUDHIA to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.

About Jammu And Kashmir Bank Limited, Chaura Bazar Ludhiana Branch

The Chaura Bazar Ludhiana branch of Jammu And Kashmir Bank Limited in Ludhiana, Punjab serves retail and corporate customers in Ludhiana district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC JAKA0LUDHIA is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.

Payment Methods Using IFSC JAKA0LUDHIA

Four primary digital payment rails use IFSC JAKA0LUDHIA for transfers to Jammu And Kashmir Bank Limited, Chaura Bazar Ludhiana: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC JAKA0LUDHIA against the RBI IFSC master list before processing the payment.

MICR Code and Branch Details

In addition to the IFSC, the Chaura Bazar Ludhiana branch of Jammu And Kashmir Bank Limited in Ludhiana carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC JAKA0LUDHIA exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.

How to Verify IFSC JAKA0LUDHIA Before Transferring

Before initiating any high-value transfer to IFSC JAKA0LUDHIA, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Jammu And Kashmir Bank Limited's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.