Branch Details — JAKA0MUNAND
| Bank Name | Jammu and Kashmir Bank |
| Branch Name | Munand Guffan |
| IFSC Code | JAKA0MUNAND |
| MICR Code | 192051301 |
| Bank Code (RBI) | JAKA |
| Branch Code | MUNAND |
| Address | MUNAND GUFFAN |
| City | Kulgam |
| District | Kulgam |
| State | Jammu and Kashmir |
| Contact | +919622601050 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using JAKA0MUNAND
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC JAKA0MUNAND.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC JAKA0MUNAND.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is JAKA0MUNAND. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Jammu and Kashmir Bank Munand Guffan branch, Kulgam, Jammu and Kashmir.
The MICR code is 192051301. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: MUNAND GUFFAN. 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 MUNAND identify the Munand Guffan branch.
Yes. Jammu and Kashmir Bank Munand Guffan Branch (IFSC: JAKA0MUNAND) 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 JAKA0MUNAND → select NEFT/RTGS/IMPS → confirm with OTP.