Jammu and Kashmir Bank
SHIMLA BRANCH
+911772657790
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 SHIMLA
branch of Jammu and Kashmir Bank, the code JAKA0SHIMLA 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 JAKA0SHIMLA 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 SHIMLA
Payment Systems Supported by JAKA0SHIMLA
| 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—171051002—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 SHIMLA typically follows the RBI holiday calendar. Digital transfers via JAKA0SHIMLA 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 JAKA0SHIMLA is the valid code for SHIMLA at SHIMLA, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Jammu and Kashmir Bank Branch List
- • SHIMLA IFSC Codes
- • Swift Code for Jammu and Kashmir Bank
- • Bank Holiday in HIMACHAL PRADESH
Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
- • FD Interest Rates 2026
- • Currency Converter
Branch Context
- • SHIMLA Contact
- • Address of Jammu and Kashmir Bank
- • MICR Code Finder
- • HIMACHAL PRADESH Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
INDEXING TAGS: Jammu and Kashmir Bank JAKA0SHIMLA code, find SHIMLA branch details, Jammu and Kashmir Bank SHIMLA contact number, HIMACHAL PRADESH bank ifsc list, anand design banking suite, ifsc finder 2026, free bank branch locator, micr code for Jammu and Kashmir Bank SHIMLA, online neft rtgs imps guide india, how to find ifsc code of Jammu and Kashmir Bank.