Jammu and Kashmir Bank
SAGAM BRANCH
+91193244136
Understanding IFSC Code: The Digital DNA of Jammu and Kashmir Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the SAGAM
branch of Jammu and Kashmir Bank, the code JAKA0DESIRE ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the JAKA0DESIRE Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"JAKA" represents Jammu and Kashmir Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for SAGAM
Payment Systems Supported by JAKA0DESIRE
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—192051021—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Jammu and Kashmir Bank in ANANTNAG typically follows the RBI holiday calendar. Digital transfers via JAKA0DESIRE for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While JAKA0DESIRE is the valid code for SAGAM at ANANTNAG, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
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Financial Tools
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Branch Context
- • SAGAM Contact
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Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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