Branch Details — JAKA0KULGAM
| Bank Name | Jammu and Kashmir Bank |
| Branch Name | Kulgam Main |
| IFSC Code | JAKA0KULGAM |
| MICR Code | 192051008 |
| Bank Code (RBI) | JAKA |
| Branch Code | KULGAM |
| Address | KULGAM MAIN |
| City | Kulgam |
| District | Kulgam |
| State | Jammu and Kashmir |
| Contact | +91193260235 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using JAKA0KULGAM
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC JAKA0KULGAM.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC JAKA0KULGAM.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is JAKA0KULGAM. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Jammu and Kashmir Bank Kulgam Main branch, Kulgam, Jammu and Kashmir.
The MICR code is 192051008. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: KULGAM MAIN. 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 KULGAM identify the Kulgam Main branch.
Yes. Jammu and Kashmir Bank Kulgam Main Branch (IFSC: JAKA0KULGAM) 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 JAKA0KULGAM → select NEFT/RTGS/IMPS → confirm with OTP.