Branch Details — JAKA0KHMENI
| Bank Name | Jammu and Kashmir Bank |
| Branch Name | Khumani Chowk |
| IFSC Code | JAKA0KHMENI |
| MICR Code | 190051078 |
| Bank Code (RBI) | JAKA |
| Branch Code | KHMENI |
| Address | KHOMENI CHOWK |
| City | Budgam |
| District | Budgam |
| State | Jammu and Kashmir |
| Contact | +911942495002 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using JAKA0KHMENI
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC JAKA0KHMENI.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC JAKA0KHMENI.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is JAKA0KHMENI. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Jammu and Kashmir Bank Khumani Chowk branch, Budgam, Jammu and Kashmir.
The MICR code is 190051078. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: KHOMENI CHOWK. 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 KHMENI identify the Khumani Chowk branch.
Yes. Jammu and Kashmir Bank Khumani Chowk Branch (IFSC: JAKA0KHMENI) 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 JAKA0KHMENI → select NEFT/RTGS/IMPS → confirm with OTP.