JAKABranch Code: HARRAI

Jammu and Kashmir Bank IFSC Code

HARAI Branch, KUPWARA, KUPWARA, JAMMU AND KASHMIR

Primary IFSC Code

JAKA0HARRAI

Banking information from our maintained dataset. Last Verified: 23 Sept 2026

The official Indian Financial System Code (IFSC) for Jammu and Kashmir Bank, HARAI branch in KUPWARA, JAMMU AND KASHMIR is JAKA0HARRAI. The MICR code for cheque clearance is 193051220.

Branch Fact Sheet & Electronic Routing Details

Bank Name: Jammu and Kashmir Bank
Branch Name: HARAI
MICR Code: 193051220
City / District: KUPWARA (KUPWARA)
State: JAMMU AND KASHMIR
Postal Pincode: 193224

Full Branch Address

HARRAI,DISTRICT KUPWARA,PIN CODE 193224, Pincode: 193224

Contact Details

Phone: +919906652700

How to Read IFSC Code: JAKA0HARRAI

An Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India to identify bank branches for electronic payment systems.

JAKABank Identifier

First 4 alphabetic characters identify Jammu and Kashmir Bank.

0Control Character

5th character is always numeral '0', reserved for future use.

HARRAIBranch Code

Last 6 alphanumeric characters identify the specific physical branch.

Payment Systems Supported by this IFSC Code

Payment System	Settlement Time	Minimum Amount	Availability	Ideal For
NEFT (National Electronic Funds Transfer)	Half-hourly batches	₹1 (No minimum)	24x7x365	Routine bills, small & medium transactions
RTGS (Real Time Gross Settlement)	Real-time instant	₹2,00,000	24x7x365	High-value urgent financial transfers
IMPS (Immediate Payment Service)	Immediate	₹1 (Max ₹5 Lakh)	24x7x365	Instant mobile banking & emergency transfers

Both NEFT and RTGS operate around the clock in India. Always double check the 11-digit IFSC code and recipient account number before submitting your transfer.

Frequently Asked Questions: Jammu and Kashmir Bank (JAKA0HARRAI)

What is the IFSC Code for Jammu and Kashmir Bank HARAI branch?

The IFSC Code for Jammu and Kashmir Bank HARAI branch in KUPWARA, JAMMU AND KASHMIR is JAKA0HARRAI. It is used for NEFT, RTGS, and IMPS funds transfer.

What is the address of Jammu and Kashmir Bank HARAI branch?

The branch is located at: HARRAI,DISTRICT KUPWARA,PIN CODE 193224, Pincode: 193224, KUPWARA, JAMMU AND KASHMIR.

What is the MICR Code for Jammu and Kashmir Bank HARAI?

The MICR Code for electronic cheque clearing at Jammu and Kashmir Bank HARAI is 193051220.

How can I contact Jammu and Kashmir Bank HARAI branch?

You can contact the branch at: Phone: +919906652700. For official national customer care, refer to Jammu and Kashmir Bank's official banking channels.

How to decipher the IFSC code JAKA0HARRAI?

The first 4 characters 'JAKA' represent Jammu and Kashmir Bank. The 5th character is '0' reserved for future use. The last 6 characters 'HARRAI' represent the specific HARAI branch code.