Branch Details — JAKA0KARLAL
| Bank Name | Jammu and Kashmir Bank |
| Branch Name | Lal Chowk Kargil |
| IFSC Code | JAKA0KARLAL |
| MICR Code | 194051021 |
| Bank Code (RBI) | JAKA |
| Branch Code | KARLAL |
| Address | LALCHOWKKARGILPIN194103 |
| City | Kargil |
| District | Kargil |
| State | Jammu and Kashmir |
| Contact | +919419899712 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using JAKA0KARLAL
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC JAKA0KARLAL.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC JAKA0KARLAL.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is JAKA0KARLAL. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Jammu and Kashmir Bank Lal Chowk Kargil branch, Kargil, Jammu and Kashmir.
The MICR code is 194051021. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: LALCHOWKKARGILPIN194103. 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 KARLAL identify the Lal Chowk Kargil branch.
Yes. Jammu and Kashmir Bank Lal Chowk Kargil Branch (IFSC: JAKA0KARLAL) 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 JAKA0KARLAL → select NEFT/RTGS/IMPS → confirm with OTP.