Jammu and Kashmir Bank — FRUIT MANDI KULGAM

KULGAM, JAMMU AND KASHMIR

IFSC Code

JAKA0FMKLGM

MICR Code

192051305

Branch

FRUIT MANDI KULGAM

Bank

Jammu and Kashmir Bank

District

KULGAM

State

JAMMU AND KASHMIR

Contact

+911931260068

Address

FRUIT MARKET KULGAM,DISTRICT KULGAM,J AND K PIN CODE 192231

Get Directions to This Branch

Using IFSC JAKA0FMKLGM for money transfers

NEFT (National Electronic Funds Transfer) lets you send money to any account at Jammu and Kashmir Bank's FRUIT MANDI KULGAM branch from any other bank in India. Transfers are processed in half-hourly batches, so funds usually reach the recipient within a couple of hours, and there's no minimum or maximum amount restriction from RBI's side.

For amounts of ₹2 lakh or more sent to an account at Jammu and Kashmir Bank, FRUIT MANDI KULGAM, RTGS is usually the better choice over NEFT — each transaction settles on its own in real time instead of waiting in a batch.

IMPS (Immediate Payment Service) is the fastest of the three — funds move to FRUIT MANDI KULGAM within seconds, any time of day including bank holidays. It's typically capped at ₹5 lakh per transaction depending on your bank's own limits.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to FRUIT MANDI KULGAM: 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 FRUIT MANDI KULGAM 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 FRUIT MANDI KULGAM:

  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 JAKA0FMKLGM when prompted — this routes the transfer to FRUIT MANDI KULGAM 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 FRUIT MANDI KULGAM branch?

The IFSC code for Jammu and Kashmir Bank's FRUIT MANDI KULGAM branch in KULGAM, JAMMU AND KASHMIR is JAKA0FMKLGM. 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 192051305. MICR codes are used for cheque clearing, while the IFSC code (JAKA0FMKLGM) is what's needed for electronic transfers like NEFT and RTGS.

Where is the FRUIT MANDI KULGAM branch of Jammu and Kashmir Bank located?

This branch is located at: FRUIT MARKET KULGAM,DISTRICT KULGAM,J AND K PIN CODE 192231. It falls under KULGAM district, JAMMU AND KASHMIR.

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

Yes — the same IFSC code (JAKA0FMKLGM) 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 +911931260068.

Other Jammu and Kashmir Bank branches in KULGAM

ARRAHARWANIASHMUJIBUGAMCHAWALGAMCHOWGAMDAMHAL HANJIPORADANEW KANDIMARG

Jammu and Kashmir Bank in other districts of JAMMU AND KASHMIR

SRINAGAR (122)JAMMU (115)BARAMULLA (73)ANANTNAG (71)LEH (60)PULWAMA (60)BUDGAM (58)RAJOURI (45)

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.