Branch Details — JAKA0DESIRE
| Bank Name | Jammu and Kashmir Bank |
| Branch Name | Sagam |
| IFSC Code | JAKA0DESIRE |
| MICR Code | 192051021 |
| Bank Code (RBI) | JAKA |
| Branch Code | DESIRE |
| Address | MAIN ROAD, SAGAM TEHSIL KOKERNAG |
| City | Anantnag |
| District | Anantnag |
| State | Jammu and Kashmir |
| Contact | +91193244136 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using JAKA0DESIRE
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC JAKA0DESIRE.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC JAKA0DESIRE.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is JAKA0DESIRE. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Jammu and Kashmir Bank Sagam branch, Anantnag, Jammu and Kashmir.
The MICR code is 192051021. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: MAIN ROAD, SAGAM TEHSIL KOKERNAG. Branch timings: Monday–Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 1:30 PM (closed 2nd/4th Saturdays).
JAKA identifies Jammu and Kashmir Bank. The 5th character 0 is reserved by RBI. The last 6 characters DESIRE identify the Sagam branch.
Yes. Jammu and Kashmir Bank Sagam Branch (IFSC: JAKA0DESIRE) is fully enabled for NEFT, RTGS, IMPS, UPI, available 24×7 including weekends and holidays.
Log in to your bank's net banking or mobile app → Fund Transfer → Add Beneficiary → enter account number and IFSC JAKA0DESIRE → select NEFT/RTGS/IMPS → confirm with OTP.