Branch Details — JAKA0SMOOTH
| Bank Name | Jammu and Kashmir Bank |
| Branch Name | Magam Handwara |
| IFSC Code | JAKA0SMOOTH |
| MICR Code | 193051303 |
| Bank Code (RBI) | JAKA |
| Branch Code | SMOOTH |
| Address | MAIN CHOWK MAGAM |
| City | Kupwara |
| District | Kupwara |
| State | Jammu and Kashmir |
| Contact | +917298004574 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using JAKA0SMOOTH
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC JAKA0SMOOTH.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC JAKA0SMOOTH.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is JAKA0SMOOTH. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Jammu and Kashmir Bank Magam Handwara branch, Kupwara, Jammu and Kashmir.
The MICR code is 193051303. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: MAIN CHOWK MAGAM. 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 SMOOTH identify the Magam Handwara branch.
Yes. Jammu and Kashmir Bank Magam Handwara Branch (IFSC: JAKA0SMOOTH) 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 JAKA0SMOOTH → select NEFT/RTGS/IMPS → confirm with OTP.