IFSC Code JAKA0PATIAL - Jammu And Kashmir Bank Limited Patiala
SCO-4 OPP INCOME TAX OFFICE CANTT ROAD PATIALA PUNJAB -147001
Quick Info
IFSC: JAKA0PATIAL
Pincode: 147001
District: Patiala
Status: Active
About Jammu And Kashmir Bank Limited Patiala
IFSC Code JAKA0PATIAL belongs to Jammu And Kashmir Bank Limited Patiala branch located in Patiala, Patiala, Punjab. This branch serves customers in Patiala, Patiala, Punjab and surrounding areas.
Understanding IFSC Code JAKA0PATIAL
The IFSC (Indian Financial System Code) JAKA0PATIAL is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:
- First 4 characters (JAKA): Bank code identifying Jammu And Kashmir Bank Limited
- 5th character (0): Reserved for future use (always 0)
- Last 6 characters (PATIAL): Unique branch identifier for Patiala
Electronic Fund Transfer Services
IFSC Code JAKA0PATIAL is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:
NEFT (National Electronic Funds Transfer)
Batch processing system for fund transfers. Available Yes at this branch.
Processing: Multiple batches daily, typically settles within 2 hours during banking hours.
RTGS (Real Time Gross Settlement)
Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.
Processing: Real-time settlement, typically within minutes during RTGS hours.
IMPS (Immediate Payment Service)
24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.
Processing: Instant transfer, available 24/7 including holidays.
UPI (Unified Payments Interface)
Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.
Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.
Branch Location and Accessibility
The Jammu And Kashmir Bank Limited Patiala branch is located at SCO-4 OPP INCOME TAX OFFICE CANTT ROAD PATIALA PUNJAB -147001 (Pincode: 147001) in Patiala, Patiala, Punjab. This location serves customers in Patiala, Patiala, Punjab and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code JAKA0PATIAL to ensure the transaction is routed correctly.
How to Use IFSC Code JAKA0PATIAL
When making online fund transfers to an account at this branch, you will need:
- IFSC Code: JAKA0PATIAL (for NEFT, RTGS, IMPS)
- Account Number: The recipient's account number
- Account Holder Name: As registered with the bank
Finding Other Jammu And Kashmir Bank Limited Branches
If you're looking for other Jammu And Kashmir Bank Limited branches in Patiala, Patiala, Punjab or nearby areas, use our Jammu And Kashmir Bank Limited branch finder. You can search by city, district, or state to find all Jammu And Kashmir Bank Limited branches with their respective IFSC codes.
Branch Details
| IFSC Code: | JAKA0PATIAL |
| Bank Name: | Jammu And Kashmir Bank Limited |
| Branch Name: | Patiala |
| Address: | SCO-4 OPP INCOME TAX OFFICE CANTT ROAD PATIALA PUNJAB -147001 |
| City: | Patiala |
| District: | Patiala |
| State: | Punjab |
| Pincode: | 147001 |
Payment Services Available
Jammu And Kashmir Bank Limited Patiala Branch IFSC Code JAKA0PATIAL — Complete Banking Guide for Patiala, Punjab
IFSC code JAKA0PATIAL belongs to the Patiala branch of Jammu And Kashmir Bank Limited in Patiala, Patiala 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 JAKA0PATIAL 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, Patiala Branch
The Patiala branch of Jammu And Kashmir Bank Limited in Patiala, Punjab serves retail and corporate customers in Patiala 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 JAKA0PATIAL is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.
Payment Methods Using IFSC JAKA0PATIAL
Four primary digital payment rails use IFSC JAKA0PATIAL for transfers to Jammu And Kashmir Bank Limited, Patiala: 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 JAKA0PATIAL against the RBI IFSC master list before processing the payment.
MICR Code and Branch Details
In addition to the IFSC, the Patiala branch of Jammu And Kashmir Bank Limited in Patiala 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 JAKA0PATIAL 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 JAKA0PATIAL Before Transferring
Before initiating any high-value transfer to IFSC JAKA0PATIAL, 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.
FAQs — Jammu And Kashmir Bank Limited Patiala, Patiala IFSC
What is the IFSC of Jammu And Kashmir Bank Limited Patiala in Patiala?
The IFSC of Jammu And Kashmir Bank Limited, Patiala branch in Patiala, Punjab is JAKA0PATIAL. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.
What is the minimum amount for NEFT to IFSC JAKA0PATIAL?
There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC JAKA0PATIAL to route funds to Jammu And Kashmir Bank Limited, Patiala, Patiala.
Who assigns IFSC codes like JAKA0PATIAL?
The Reserve Bank of India (RBI) assigns all IFSC codes in India. Jammu And Kashmir Bank Limited applied for the IFSC for its Patiala branch in Patiala, and RBI issued JAKA0PATIAL as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.
Can I use IFSC JAKA0PATIAL for UPI payments?
UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC JAKA0PATIAL at Jammu And Kashmir Bank Limited, Patiala, Patiala. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC JAKA0PATIAL.
About IFSC Code JAKA0PATIAL
IFSC Code JAKA0PATIAL belongs to Jammu And Kashmir Bank Limited branch Patiala located in Patiala, Patiala, Punjab.
Branch Information
- IFSC Code: JAKA0PATIAL
- Bank: Jammu And Kashmir Bank Limited
- Branch: Patiala
- Address: SCO-4 OPP INCOME TAX OFFICE CANTT ROAD PATIALA PUNJAB -147001
- City: Patiala
- District: Patiala
- State: Punjab
- Pincode: 147001
Payment Services
- NEFT: Available
- RTGS: Available
- IMPS: Available
- UPI: Available