How do I find my bank's IFSC code?

You can find your bank's IFSC code printed on your cheque leaf or passbook. Alternatively, search on Bankonic by selecting your bank, state, and branch.

Can I apply for a personal loan using my IFSC code?

Yes! Banks use your IFSC code to verify your existing bank account during loan applications. Having an active account with verified IFSC speeds up loan processing.

Is my money safe during online transfers using IFSC?

Yes, NEFT/RTGS/IMPS transfers using IFSC codes are highly secure. All transactions are encrypted and monitored by RBI.

How many bank branches are in Kargil?

There are 31 bank branches currently operating in Kargil, Jammu And Kashmir. Our directory includes branches from 8 different banks with verified IFSC codes, MICR codes, addresses, and contact details. All data is sourced from RBI/NPCI and updated as of February 19, 2026.

Which banks have the most branches in Kargil?

Jammu And Kashmir Bank Limited has the most branches in Kargil with 15 locations, followed by State Bank Of India with 9 branches and Punjab National Bank with 2 branches. You can view complete branch lists for each bank using our search tool above.

How do I find the IFSC code for a specific bank branch in Kargil?

To find an IFSC code in Kargil: 1) Use the search box above and select your bank from the dropdown, 2) Browse the complete branch list below and use Ctrl+F to search for your branch name or area, 3) Click on any bank in the "Popular Banks" section to see all their Kargil branches, or 4) Visit the specific bank page (e.g., /banks/sbi) and filter by Kargil.

What is an IFSC code and why do I need it?

IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies every bank branch in India. You need the IFSC code for all electronic fund transfers including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), IMPS (Immediate Payment Service), and UPI payments. The first 4 characters represent the bank, the 5th is always 0, and the last 6 identify the specific branch.

Are the IFSC codes on this page verified and up-to-date?

Yes, all IFSC codes for Kargil branches are sourced directly from RBI (Reserve Bank of India) and NPCI (National Payments Corporation of India) databases. Our data was last updated on February 19, 2026 and includes verified branch addresses, MICR codes, and contact information. We regularly sync with official sources to ensure accuracy.

Can I search for branches by area or PIN code in Kargil?

Yes, you can search for branches by area within Kargil. Use the search box above or scroll through the complete branch table below and use the search filter to enter your area name, PIN code, or branch name. The table will instantly filter results to show only matching branches in Kargil.

What if I can't find my bank branch in Kargil?

If you cannot find a specific branch in Kargil: 1) Check nearby areas listed at the bottom of this page, 2) Try searching by the bank name instead of branch name, 3) Use our national IFSC search on the homepage, or 4) Check if the branch is newly opened (we update data regularly but there may be a delay for very new branches). You can also contact us to report missing branches.

How do I use an IFSC code for online money transfer?

To use an IFSC code for online transfer: 1) Log into your bank's net banking or mobile app, 2) Go to 'Add Beneficiary' or 'Fund Transfer' section, 3) Enter the beneficiary's account number, 4) Enter the IFSC code of their bank branch (you can copy it from this page), 5) Verify details and complete registration, 6) After approval (usually instant to 24 hours), you can transfer money via NEFT/RTGS/IMPS.

Is there a standard format for IFSC codes in Kargil?

Yes, all IFSC codes in Kargil (and across India) follow the same 11-character format: First 4 characters = Bank code (e.g., 'SBIN' for State Bank of India), 5th character = Always '0' (reserved for future use), Last 6 characters = Branch code (unique to each branch). Example: SBIN0001234 where SBIN is the bank, 0 is standard, and 001234 identifies the specific Kargil branch.

How often is the Kargil IFSC code data updated?

We update our Kargil IFSC code database regularly by syncing with RBI and NPCI official sources. The current data was last updated on February 19, 2026. We perform updates monthly to include new branches, closed branches, and any changes to existing branch details. You can always check the "Last Updated" date at the top of this page for the most recent data refresh.

Kargil, Jammu And Kashmir

IFSC & MICR Codes for All Bank Branches in Kargil – 2026 Updated

Complete directory of 31+ bank branches across 8 banks with verified IFSC codes, addresses, and contact details

31+

Bank Branches

Banks

100%

RBI Verified

RBI/NPCI Sourced

Verified Data

Last Updated

February 19, 2026

31 Branches

Verified Records

Popular Banks in Kargil

Jammu And Kashmir Bank Limited

15 Branches

State Bank Of India

9 Branches

Punjab National Bank

2 Branches

Bandhan Bank Limited

1 Branch

Hdfc Bank

1 Branch

Icici Bank Limited

1 Branch

Indusind Bank

1 Branch

Axis Bank

1 Branch

Search IFSC Codes in Kargil

Pre-filtered to Kargil branches

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Find IFSC, MICR codes, branch addresses, and contact details for all banks in Kargil

All Bank Branches in Kargil (31 Branches)

Bank	Branch Name	Address	IFSC Code	MICR	Contact
Axis Bank	Kargil	Opposite Main Bus Stand,Chanchick Near Mes, Kargil District Kargil, Kargil, Kargil, Jammu And Kashmir, India	UTIB0003953	194211002	1985-9622220881
Bandhan Bank Limited	Kargil Branch	Khasra No-2628, 1St Fl, Chanchik, Fatima Chowk, Opposite-Highland Super Market, Near-Kargil Bus Stand, Police Station-Kargil, Kargil-194103, Jammu And Kashmir, Kargil, Jammu And Kashmir, India	BDBL0002308	194750002	33-66090909
Hdfc Bank	Kargil	Hdfc Bank Ltd., Bagh-East-Khomeni, Kargil- Ladakh, Kargil Jammu And Kashmir 194103, Kargil, Jammu And Kashmir, India	HDFC0002912	194240002	91-8001804333
Icici Bank Limited	Kargil	Icici Bank Ltd., Main Market, Near Tibetan Market, Kargil, Ladakh.194103, Kargil, Kargil, Jammu And Kashmir, India	ICIC0002576	194229002	91-9797444625
Indusind Bank	Kargil	Ground Floor Khasra No 1514 Min 2406 And 1517 Min Kargil Ut Of Ladakh Pin 194103, Kargil, Kargil, Jammu And Kashmir, India	INDB0001985	194234003	1982-9596776622
Jammu And Kashmir Bank Limited	Akchamal	Rakina, Akchamal, Block / Tehsil District-Kargil, Pin-194103, Kargil, Kargil, Jammu And Kashmir, India	JAKA0ACHKAM	194051030	918-9419895835
Jammu And Kashmir Bank Limited	Batalik	Batalik,District Kargil,J And K Pin Code 194103, Kargil, Kargil, Jammu And Kashmir, India	JAKA0BATLIK	194051025	918-5281138
Jammu And Kashmir Bank Limited	Chiktan	The Jammu And Kashmir Bank Ltd,Block Shakar Chiktan, Kargil, Kargil, Jammu And Kashmir, India	JAKA0CHKTAN	194051011	918-279204
Jammu And Kashmir Bank Limited	Drass	Qatelgah, Main Bazar Drass, Kargil, Kargil, Jammu And Kashmir, India	JAKA0DARASS	194051017	918-274040
Jammu And Kashmir Bank Limited	Kargil Main	Ladakh, Kargil, Kargil, Jammu And Kashmir, India	JAKA0KARGIL	194051008	918-233628
Jammu And Kashmir Bank Limited	Lal Chowk Kargil	Lalchowkkargilpin194103, Kargil, Kargil, Jammu And Kashmir, India	JAKA0KARLAL	194051021	918-9419899712
Jammu And Kashmir Bank Limited	Mulbek	Village Mulbek, Block Shargole Kargil Pin Code 194109, Kargil, Kargil, Jammu And Kashmir, India	JAKA0MULBIK	194051023	918-9419887250
Jammu And Kashmir Bank Limited	Padam Zanaskar	Padum, Zangskar, Kargil, Kargil, Kargil, Jammu And Kashmir, India	JAKA0PADDAM	194051018	918-245014
Jammu And Kashmir Bank Limited	Puskyum	Farool Puskyum, Near Phc Primary Health Centre, Puskyum, Kargil, Jk-194103, Kargil, Kargil, Jammu And Kashmir, India	JAKA0PUSKUM	194051031	918-5272057
Jammu And Kashmir Bank Limited	Saliskote Kargil	Saliskote,Kargil,Po Saliskote,Tehsil Samkoo,Kargil, Kargil, Kargil, Jammu And Kashmir, India	JAKA0SALISK	194051037	918-7051163626
Jammu And Kashmir Bank Limited	Sanjak Kargil	Sanjak,Chiktan, Kargil, Kargil, Kargil, Jammu And Kashmir, India	JAKA0SANJAK	194051035	918-9469270349
Jammu And Kashmir Bank Limited	Sankoo	Main Bazaar Sankoo, Kargil, Kargil, Jammu And Kashmir, India	JAKA0SANKOO	194051009	918-258014
Jammu And Kashmir Bank Limited	Tai Suru	Tsuru Kargil,J And K, Kargil, Kargil, Jammu And Kashmir, India	JAKA0TSUROO	194051014	918-259075
Jammu And Kashmir Bank Limited	Tp Baroo	Baroo Kargil, Kargil, Kargil, Jammu And Kashmir, India	JAKA0EBAROO	194051024	918-232060
Jammu And Kashmir Bank Limited	Trespone	Trespone Kargil, Kargil, Kargil, Jammu And Kashmir, India	JAKA0TRSPON	194051020	918-9469221477
Punjab National Bank	Kargil Ladaakh	Pnb Kargil Near John Palace Main Bazar Kargil J & K Jk Kargi 194103, Kargil, Kargil, Jammu And Kashmir, India	PUNB0974900	NONMICR	nan-9469258854
Punjab National Bank	Sankoo	Pnb House No 36 Main Bazar Ld Kargi 194301, Kargil, Kargil, Jammu And Kashmir, India	PUNB0958400	N/A	11-23718172
State Bank Of India	Bodh Kharboo	State Bank Of India Bodh Kharboo District-Kargil Ladakh ( Ut)-194109, Kargil, Kargil, Jammu And Kashmir, India	SBIN0061713	194002007	9419299088
State Bank Of India	Garkone	State Bank Of India,Main Market,Garkone,Block -Soudh,Dist.-Kargil,Ut - Ladakh 194109, Kargil, Kargil, Jammu And Kashmir, India	SBIN0064390	194002022	1985-503002044
State Bank Of India	Kargil	Distkargil Jammu And Kashmir 194103, Kargil, Kargil, Jammu And Kashmir, India	SBIN0001390	194002061	0-0
State Bank Of India	Khurbathang	State Bank Of India,Main Market,Khurbathang,Dist.-Kargil,Ut - Ladakh 194103, Kargil, Kargil, Jammu And Kashmir, India	SBIN0064098	194002018	N/A
State Bank Of India	Padum	State Bank Of India,Main Market,Padum,Zanskar,Dist.-Kargil,Ut - Ladakh 194302, Kargil, Kargil, Jammu And Kashmir, India	SBIN0063955	194002012	9018356742
State Bank Of India	R And Db Racc Kargil	Near Khomini Chowk Kargil 194103, Kargil, Kargil, Jammu And Kashmir, India	SBIN0063486	WAITING	1985233221
State Bank Of India	Sankoo	State Bank Of India,Main Market,Sankoo,Dist.-Kargil,Ut -Ladakh 194103, Kargil, Kargil, Jammu And Kashmir, India	SBIN0064258	194002019	9906834670
State Bank Of India	Shargol	Distkargil, Jammu And Kashmir 194109, Kargil, Kargil, Jammu And Kashmir, India	SBIN0007750	194002141	N/A
State Bank Of India	Taisuru	State Bank Of India,Main Market,Taisuru,Dist.-Kargil,Ut - Ladakh 194103, Kargil, Kargil, Jammu And Kashmir, India	SBIN0064256	194002017	N/A

Axis Bank

Kargil

Opposite Main Bus Stand,Chanchick Near Mes, Kargil District Kargil, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

UTIB0003953

MICR Code

194211002

1985-9622220881

Bandhan Bank Limited

Kargil Branch

Khasra No-2628, 1St Fl, Chanchik, Fatima Chowk, Opposite-Highland Super Market, Near-Kargil Bus Stand, Police Station-Kargil, Kargil-194103, Jammu And Kashmir, Kargil, Jammu And Kashmir, India

IFSC Code

BDBL0002308

MICR Code

194750002

33-66090909

Hdfc Bank

Kargil

Hdfc Bank Ltd., Bagh-East-Khomeni, Kargil- Ladakh, Kargil Jammu And Kashmir 194103, Kargil, Jammu And Kashmir, India

IFSC Code

HDFC0002912

MICR Code

194240002

91-8001804333

Icici Bank Limited

Kargil

Icici Bank Ltd., Main Market, Near Tibetan Market, Kargil, Ladakh.194103, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

ICIC0002576

MICR Code

194229002

91-9797444625

Indusind Bank

Kargil

Ground Floor Khasra No 1514 Min 2406 And 1517 Min Kargil Ut Of Ladakh Pin 194103, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

INDB0001985

MICR Code

194234003

1982-9596776622

Jammu And Kashmir Bank Limited

Akchamal

Rakina, Akchamal, Block / Tehsil District-Kargil, Pin-194103, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

JAKA0ACHKAM

MICR Code

194051030

918-9419895835

Jammu And Kashmir Bank Limited

Batalik

Batalik,District Kargil,J And K Pin Code 194103, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

JAKA0BATLIK

MICR Code

194051025

918-5281138

Jammu And Kashmir Bank Limited

Chiktan

The Jammu And Kashmir Bank Ltd,Block Shakar Chiktan, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

JAKA0CHKTAN

MICR Code

194051011

918-279204

Jammu And Kashmir Bank Limited

Drass

Qatelgah, Main Bazar Drass, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

JAKA0DARASS

MICR Code

194051017

918-274040

Jammu And Kashmir Bank Limited

Kargil Main

Ladakh, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

JAKA0KARGIL

MICR Code

194051008

918-233628

Jammu And Kashmir Bank Limited

Lal Chowk Kargil

Lalchowkkargilpin194103, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

JAKA0KARLAL

MICR Code

194051021

918-9419899712

Jammu And Kashmir Bank Limited

Mulbek

Village Mulbek, Block Shargole Kargil Pin Code 194109, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

JAKA0MULBIK

MICR Code

194051023

918-9419887250

Jammu And Kashmir Bank Limited

Padam Zanaskar

Padum, Zangskar, Kargil, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

JAKA0PADDAM

MICR Code

194051018

918-245014

Jammu And Kashmir Bank Limited

Puskyum

Farool Puskyum, Near Phc Primary Health Centre, Puskyum, Kargil, Jk-194103, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

JAKA0PUSKUM

MICR Code

194051031

918-5272057

Jammu And Kashmir Bank Limited

Saliskote Kargil

Saliskote,Kargil,Po Saliskote,Tehsil Samkoo,Kargil, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

JAKA0SALISK

MICR Code

194051037

918-7051163626

Jammu And Kashmir Bank Limited

Sanjak Kargil

Sanjak,Chiktan, Kargil, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

JAKA0SANJAK

MICR Code

194051035

918-9469270349

Jammu And Kashmir Bank Limited

Sankoo

Main Bazaar Sankoo, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

JAKA0SANKOO

MICR Code

194051009

918-258014

Jammu And Kashmir Bank Limited

Tai Suru

Tsuru Kargil,J And K, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

JAKA0TSUROO

MICR Code

194051014

918-259075

Jammu And Kashmir Bank Limited

Tp Baroo

Baroo Kargil, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

JAKA0EBAROO

MICR Code

194051024

918-232060

Jammu And Kashmir Bank Limited

Trespone

Trespone Kargil, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

JAKA0TRSPON

MICR Code

194051020

918-9469221477

Punjab National Bank

Kargil Ladaakh

Pnb Kargil Near John Palace Main Bazar Kargil J & K Jk Kargi 194103, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

PUNB0974900

MICR Code

NONMICR

nan-9469258854

Punjab National Bank

Sankoo

Pnb House No 36 Main Bazar Ld Kargi 194301, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

PUNB0958400

11-23718172

State Bank Of India

Bodh Kharboo

State Bank Of India Bodh Kharboo District-Kargil Ladakh ( Ut)-194109, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

SBIN0061713

MICR Code

194002007

9419299088

State Bank Of India

Garkone

State Bank Of India,Main Market,Garkone,Block -Soudh,Dist.-Kargil,Ut - Ladakh 194109, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

SBIN0064390

MICR Code

194002022

1985-503002044

State Bank Of India

Kargil

Distkargil Jammu And Kashmir 194103, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

SBIN0001390

MICR Code

194002061

0-0

State Bank Of India

Khurbathang

State Bank Of India,Main Market,Khurbathang,Dist.-Kargil,Ut - Ladakh 194103, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

SBIN0064098

MICR Code

194002018

State Bank Of India

Padum

State Bank Of India,Main Market,Padum,Zanskar,Dist.-Kargil,Ut - Ladakh 194302, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

SBIN0063955

MICR Code

194002012

9018356742

State Bank Of India

R And Db Racc Kargil

Near Khomini Chowk Kargil 194103, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

SBIN0063486

MICR Code

WAITING

1985233221

State Bank Of India

Sankoo

State Bank Of India,Main Market,Sankoo,Dist.-Kargil,Ut -Ladakh 194103, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

SBIN0064258

MICR Code

194002019

9906834670

State Bank Of India

Shargol

Distkargil, Jammu And Kashmir 194109, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

SBIN0007750

MICR Code

194002141

State Bank Of India

Taisuru

State Bank Of India,Main Market,Taisuru,Dist.-Kargil,Ut - Ladakh 194103, Kargil, Kargil, Jammu And Kashmir, India

IFSC Code

SBIN0064256

MICR Code

194002017

Nearby Cities & Areas for Bank Branches

Looking for bank branches near Kargil? Explore IFSC codes in these nearby cities in Jammu And Kashmir:

View all cities in Jammu And Kashmir

How to Find & Use IFSC Codes in Kargil

Find Your Branch

Use the search above to find your bank branch in Kargil. You can search by bank name, branch name, or area.

Verify Details

Check the branch address, contact details, and verify it matches your bank location.

Copy IFSC Code

Click on the IFSC code to copy it. It's an 11-character code unique to each branch.

Use for Transfers

Enter the IFSC code during NEFT, RTGS, IMPS, or UPI transactions to transfer money accurately.

What is an IFSC Code?

IFSC (Indian Financial System Code) is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to identify bank branches uniquely across India. The first 4 characters represent the bank, the 5th character is 0 (reserved for future use), and the last 6 characters identify the specific branch. Every bank branch in Kargil has a unique IFSC code required for electronic fund transfers like NEFT, RTGS, and IMPS.

Frequently Asked Questions – IFSC Codes in Kargil

Related Resources

Back to Jammu And Kashmir All States & Cities All Banks National IFSC Finder

About IFSC Codes in Kargil

Kargil is a major financial hub in Jammu And Kashmir, hosting 31 bank branches from 8 different banking institutions. Each branch has a unique IFSC code required for electronic fund transfers across India. Whether you're setting up NEFT payments, receiving salary via RTGS, or using IMPS for instant transfers, having the correct IFSC code for your Kargil bank branch is essential.

Our comprehensive directory includes all major banks operating in Kargil, including Jammu And Kashmir Bank Limited, State Bank Of India, Punjab National Bank, Bandhan Bank Limited, Hdfc Bank, and many more. Each listing provides complete details including the 11-character IFSC code, 9-digit MICR code (for cheque processing), full branch address, and contact phone numbers where available.

All data on this page is sourced from official RBI and NPCI databases and is regularly updated to ensure accuracy. Whether you're a Kargil resident looking for your home branch, a business setting up vendor payments, or someone sending money to Kargil, you'll find all the IFSC codes you need right here.