Jammu and Kashmir Bank
MANDI GOBINDGARH BRANCH
+91176242224
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 MANDI GOBINDGARH
branch of Jammu and Kashmir Bank, the code JAKA0GOBIND 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 JAKA0GOBIND 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 MANDI GOBINDGARH
Payment Systems Supported by JAKA0GOBIND
| 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—147051102—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 FATEHGARH SAHIB typically follows the RBI holiday calendar. Digital transfers via JAKA0GOBIND 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 JAKA0GOBIND is the valid code for MANDI GOBINDGARH at FATEHGARH SAHIB, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Branch Context
- • MANDI GOBINDGARH Contact
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Platform Links
- • Anand Design DevBox
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