Jammu and Kashmir Bank
LAL CHOWK KARGIL BRANCH
+919419899712
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 LAL CHOWK KARGIL
branch of Jammu and Kashmir Bank, the code JAKA0KARLAL 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 JAKA0KARLAL 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 LAL CHOWK KARGIL
Payment Systems Supported by JAKA0KARLAL
| 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—194051021—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 KARGIL typically follows the RBI holiday calendar. Digital transfers via JAKA0KARLAL 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 JAKA0KARLAL is the valid code for LAL CHOWK KARGIL at KARGIL, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Financial Tools
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Branch Context
- • LAL CHOWK KARGIL Contact
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Platform Links
- • Anand Design DevBox
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