IFSC is a unique code to verify the location of the branch individually. But one bank ’ J& K Grameen Bank ’ has one IFSC for all its branches. This is intresting to know that grameen bank covers a wide range of area in J& K state of india but each of its branch has one unique IFSC ’JAKA0GRAMEN’ . so you dont have to ask for ifsc to anyone for sending money to any of its branch just give JAKA0GRAMEN and account no with name and boom! Money gone into the right account.