Jammu and Kashmir Bank — KHOJ BAGH

BARAMULLA, JAMMU AND KASHMIR

IFSC Code

JAKA0KHOJBG

MICR Code

193051003

Branch

KHOJ BAGH

Bank

Jammu and Kashmir Bank

District

BARAMULLA

State

JAMMU AND KASHMIR

Contact

+917298004492

Address

MAIN KHAWAJA BAGH

Get Directions to This Branch

Using IFSC JAKA0KHOJBG for money transfers

NEFT transfers to KHOJ BAGH, one of Jammu and Kashmir Bank's branches in BARAMULLA, are batch-processed rather than instant. Most transfers clear within 30 minutes to a couple of hours during banking hours, and NEFT now runs 24x7 on all days including weekends.

RTGS (Real Time Gross Settlement) is built for high-value transfers — ₹2 lakh and above — and settles individually rather than in batches, so money reaches KHOJ BAGH almost immediately once processed, rather than waiting for the next settlement window.

IMPS is built for urgency: transfers to KHOJ BAGH clear in seconds rather than minutes or hours, and it works around the clock — useful outside NEFT/RTGS's usual processing windows.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to KHOJ BAGH: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.

MethodSystem HoursIf Visiting KHOJ BAGH In Person
NEFT24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019)Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours.
RTGS24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020)Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests.
IMPS24x7x365 — always has been, no banking-hours restriction at the system level.Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh).

Follow these steps to transfer money into an account held at KHOJ BAGH:

  1. Log in to your bank's net banking portal or mobile banking app.
  2. Add a new beneficiary/payee, entering the recipient's full name and account number.
  3. Enter the IFSC code JAKA0KHOJBG when prompted — this routes the transfer to KHOJ BAGH specifically.
  4. Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
  5. Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
  6. Enter the amount, review the details (name, account number, IFSC), and confirm with your OTP/PIN.

Frequently asked questions

What is the IFSC code of the Jammu and Kashmir Bank KHOJ BAGH branch?

The IFSC code for Jammu and Kashmir Bank's KHOJ BAGH branch in BARAMULLA, JAMMU AND KASHMIR is JAKA0KHOJBG. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.

What is the MICR code of this branch?

The MICR code for this branch is 193051003. MICR codes are used for cheque clearing, while the IFSC code (JAKA0KHOJBG) is what's needed for electronic transfers like NEFT and RTGS.

Where is the KHOJ BAGH branch of Jammu and Kashmir Bank located?

This branch is located at: MAIN KHAWAJA BAGH. It falls under BARAMULLA district, JAMMU AND KASHMIR.

Can I use this IFSC code for both NEFT and RTGS transfers?

Yes — the same IFSC code (JAKA0KHOJBG) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.

Is there a phone number for this branch?

Yes, this branch's listed contact number is +917298004492.

Other Jammu and Kashmir Bank branches in BARAMULLA

ACHABAL SOPOREAGRO HI TECH SOPOREAMARGARH SOPOREAZADGUNJ BARAMULLABONIYARCHANDANWARICHANDOSACHINKIPORA SOPORE

Jammu and Kashmir Bank in other districts of JAMMU AND KASHMIR

SRINAGAR (122)JAMMU (115)ANANTNAG (71)LEH (60)PULWAMA (60)BUDGAM (58)RAJOURI (45)KATHUA (44)

IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.