Jammu and Kashmir Bank — ZONAL IMPAIRED ASSET RECOVERY BRANCH BUDGAM

SRINAGAR, JAMMU AND KASHMIR

IFSC Code

JAKA0ZIARBD

MICR Code

Not available

Branch

ZONAL IMPAIRED ASSET RECOVERY BRANCH BUDGAM

Bank

Jammu and Kashmir Bank

District

SRINAGAR

State

JAMMU AND KASHMIR

Contact

+917006926551

Address

ZONAL OFFICE BUDGAM, HMT NEAR INDUSTRIAL ESTATE ZAINAKOTE, SRINAGAR 190012

Get Directions to This Branch

Using IFSC JAKA0ZIARBD for money transfers

To move funds into an account held at ZONAL IMPAIRED ASSET RECOVERY BRANCH BUDGAM (Jammu and Kashmir Bank) using NEFT, the sender's bank needs this branch's IFSC code — JAKA0ZIARBD. NEFT settles in batches throughout the day, so it's a good fit for transfers that don't need to land instantly.

RTGS is the go-to option when transferring large sums (₹2 lakh+) to ZONAL IMPAIRED ASSET RECOVERY BRANCH BUDGAM in SRINAGAR, since each transfer is settled individually and immediately rather than bundled with others.

Need money at Jammu and Kashmir Bank, ZONAL IMPAIRED ASSET RECOVERY BRANCH BUDGAM right now? IMPS settles instantly, 24x7, including weekends and holidays — unlike NEFT/RTGS, which follow banking-hour batch or settlement windows.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to ZONAL IMPAIRED ASSET RECOVERY BRANCH BUDGAM: 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 ZONAL IMPAIRED ASSET RECOVERY BRANCH BUDGAM 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 ZONAL IMPAIRED ASSET RECOVERY BRANCH BUDGAM:

  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 JAKA0ZIARBD when prompted — this routes the transfer to ZONAL IMPAIRED ASSET RECOVERY BRANCH BUDGAM 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 ZONAL IMPAIRED ASSET RECOVERY BRANCH BUDGAM branch?

The IFSC code for Jammu and Kashmir Bank's ZONAL IMPAIRED ASSET RECOVERY BRANCH BUDGAM branch in SRINAGAR, JAMMU AND KASHMIR is JAKA0ZIARBD. 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?

A MICR code isn't listed for this branch in our records. MICR codes are used specifically for cheque clearing — if you need one, it's best to confirm directly with the branch, since it doesn't affect NEFT/RTGS/IMPS transfers, which only need the IFSC code (JAKA0ZIARBD).

Where is the ZONAL IMPAIRED ASSET RECOVERY BRANCH BUDGAM branch of Jammu and Kashmir Bank located?

This branch is located at: ZONAL OFFICE BUDGAM, HMT NEAR INDUSTRIAL ESTATE ZAINAKOTE, SRINAGAR 190012. It falls under SRINAGAR district, JAMMU AND KASHMIR.

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

Yes — the same IFSC code (JAKA0ZIARBD) 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 +917006926551.

Other Jammu and Kashmir Bank branches in SRINAGAR

AHMAD NAGARAIR CARGO SRINAGARALAMGIRI BAZAR SRINAGARAMIRA KADAL SRINAGARANCHARAPEX BRANCHAPEX BRANCH CHQATM SWITCH DEPARTMENT CHQ

Jammu and Kashmir Bank in other districts of JAMMU AND KASHMIR

JAMMU (115)BARAMULLA (73)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.