Branch Details — JAKA0FMKLGM
| Bank Name | Jammu and Kashmir Bank |
| Branch Name | Fruit Mandi Kulgam |
| IFSC Code | JAKA0FMKLGM |
| MICR Code | 192051305 |
| Bank Code (RBI) | JAKA |
| Branch Code | FMKLGM |
| Address | FRUIT MARKET KULGAM,DISTRICT KULGAM,J AND K PIN CODE 192231 |
| City | Kulgam |
| District | Kulgam |
| State | Jammu and Kashmir |
| Contact | +911931260068 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using JAKA0FMKLGM
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC JAKA0FMKLGM.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC JAKA0FMKLGM.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is JAKA0FMKLGM. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Jammu and Kashmir Bank Fruit Mandi Kulgam branch, Kulgam, Jammu and Kashmir.
The MICR code is 192051305. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: FRUIT MARKET KULGAM,DISTRICT KULGAM,J AND K PIN CODE 192231. 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 FMKLGM identify the Fruit Mandi Kulgam branch.
Yes. Jammu and Kashmir Bank Fruit Mandi Kulgam Branch (IFSC: JAKA0FMKLGM) 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 JAKA0FMKLGM → select NEFT/RTGS/IMPS → confirm with OTP.