Jammu and Kashmir Bank IFSC & MICR Clearing Directory
Complete routing information for all banks operating in Jammu and Kashmir.
RTGS, NEFT & CTS Clearing Hours in Jammu and Kashmir
Banking operations in Jammu and Kashmir are governed by RBI settlement standards. Most branches facilitate high-value RTGS settlements and 24/7 NEFT transfers, with CTS-2010 cheque truncation applied across all major commercial clearing hubs.
| Settlement Rail | Clearing Type | Standard SLA |
|---|---|---|
| NEFT | Electronic | 24x7 Instant |
| RTGS | Gross Settlement | Real-time |
| CTS Cheque | Physical | T+1 Clearing |
Major Banks in Jammu and Kashmir
Positive Pay System (PPS)
For cheque clearance exceeding ₹50,000 in Jammu and Kashmir, submit your PPS intimation.
Submit PPS