J&K Bank 16 Digit Account Number

Updated: 18-07-2024 09:44:26 AM

Founded in 1938, Jammu and Kashmir Bank (J&K Bank) is a state-owned bank which is headquartered at Srinagar, Jammu and Kashmir. J&K Bank is the only private-sector bank designated as RBI’s agent for banking business that performs several banking businesses of the Central Government. The bank offers a range of personal accounts to its customer with some unique features to suit financial needs of its customers.

Traditionally, J&K Bank used to issue a 4-5 digit account number to its customers. Post digitalization and for the purpose of complete security, J&K bank has been now started issuing 16-digit account number to its customers. Its 16 digit bank account number is a unique identity which denotes some key information like branch code and account type. At times, you may have to provide this 16-digit account number to execute various banking transactions. Specifically, for various electronic money transfers like NEFT, RTGS and IMPS, your 16 digit bank account number would be required.

 What does ‘16-digits’ in J&K account number represent?

• First 4 digits represent SOLID (Start of Line ID) or branch code of your J&K account.
• Next 5-9 digits represent a type of personal account you hold with J&K bank. Every product or account type is uniquely denoted by a specific number. For example, 04011 is code for J&K deluxe savings account.
• Zeros are filled in between to make it 16 digits in total.
• Last remaining digits are the actual account numbers of your

How to convert the account number into ‘16-digits’?

Before sorting this out, here are few things to keep in mind:

• Let’s say you have old savings account with J&K bank when the bank was operating manually. Your savings account number may look like ‘SB215/18’, consider only numeric ‘215’ while converting it to a 16-digit account number.
• In case your savings account number looks like ‘SB5471’, then consider ‘5471’ while conversion of the account number to 16-digits.

Let’s take an example to understand the conversion of the account number to 16 digits. Let’s say you hold basic savings account at Residency road, Srinagar branch of J&K Bank. Your account number looks like ‘SB6120’. Now, let’s convert this to a 16-digit account number:

• Branch code or SOLID of Residency road Srinagar branch is 0005
• The basic savings account code is 04010
• The actual account number is 6120
• So, your J&K bank’s 16 digit account number is 0005040100006120

The easiest way to know your J&K bank’s 16 digit account number is through your net banking. Mini statement option in your online banking services can easily give you 16-digit account number. With the 16-digit account number, one can easily get the details required for e-banking transactions. For example, to do NEFT (National Electronic Funds Transfer), IFSC (Indian Financial System Code) code is mandatory. IFSC code can be obtained with the help of your account number. There are many third party websites which may provide you entire details like branch name, account type, IFSC code, and MICR code, just by providing them with the J&K account number. However, all the necessary information is available on J&K bank’s official website. Account related details can also be obtained from your personalized cheque book.

Lastly, both alphanumeric and 16 digit account numbers can be used. However, alpha-numeric account numbers usage may be limited to manual transactions. Know your ‘16-digits’ well in advance, as it is required for all e-transactions.