SWIFT Code JAKAINBBIAL — JAMMU AND KASHMIR BANK LTD, LUDHIANA

About SWIFT Code JAKAINBBIAL — JAMMU AND KASHMIR BANK LTD, LUDHIANA

SWIFT code JAKAINBBIAL is the official 11-character branch-specific BIC (Bank Identifier Code) for JAMMU AND KASHMIR BANK LTD in LUDHIANA, India. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by JAMMU AND KASHMIR BANK LTD for all outward international remittances from LUDHIANA. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code JAKAINBBIAL

The code JAKAINBBIAL follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code JAKAINBBIAL

Receiving International Wire Transfers

To receive money from abroad at your JAMMU AND KASHMIR BANK LTD account in LUDHIANA, share SWIFT code JAKAINBBIAL with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at JAMMU AND KASHMIR BANK LTD, LUDHIANA must provide SWIFT code JAKAINBBIAL. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using JAMMU AND KASHMIR BANK LTD in LUDHIANA rely on SWIFT code JAKAINBBIAL for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for JAMMU AND KASHMIR BANK LTD →

For cheque clearing or NACH mandates, use the MICR code for JAMMU AND KASHMIR BANK LTD →

For TDS challan deposits, find the BSR code for JAMMU AND KASHMIR BANK LTD →

How SWIFT Code JAKAINBBIAL Routes an International Transfer

1. Initiation: The sender provides SWIFT code JAKAINBBIAL and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to JAMMU AND KASHMIR BANK LTD.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: JAMMU AND KASHMIR BANK LTD receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code JAKAINBBIAL

• Spaces or lowercase letters — Always enter JAKAINBBIAL uppercase with no spaces.
• Using the wrong city — This code is for LUDHIANA only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within India.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm JAKAINBBIAL directly with JAMMU AND KASHMIR BANK LTD's LUDHIANA branch or via the SWIFT BIC Directory.