Branch Details — JAKA0HARRAI
| Bank Name | Jammu and Kashmir Bank |
| Branch Name | Harai |
| IFSC Code | JAKA0HARRAI |
| MICR Code | 193051220 |
| Bank Code (RBI) | JAKA |
| Branch Code | HARRAI |
| Address | HARRAI,DISTRICT KUPWARA,PIN CODE 193224 |
| City | Kupwara |
| District | Kupwara |
| State | Jammu and Kashmir |
| Contact | +919906652700 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using JAKA0HARRAI
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC JAKA0HARRAI.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC JAKA0HARRAI.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is JAKA0HARRAI. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Jammu and Kashmir Bank Harai branch, Kupwara, Jammu and Kashmir.
The MICR code is 193051220. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: HARRAI,DISTRICT KUPWARA,PIN CODE 193224. 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 HARRAI identify the Harai branch.
Yes. Jammu and Kashmir Bank Harai Branch (IFSC: JAKA0HARRAI) 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 JAKA0HARRAI → select NEFT/RTGS/IMPS → confirm with OTP.