IFSC Code of Akola Janata Commercial Cooperative Bank, Murtizapur Branch, Maharashtra

Below are the complete branch details for Akola Janata Commercial Cooperative Bank, MURTIZAPUR branch, located in AKOLA, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is AKJB0000011. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case AKJB0000011 for Akola Janata Commercial Cooperative Bank – MURTIZAPUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, AKJB0000011 is the IFSC of Akola Janata Commercial Cooperative Bank's MURTIZAPUR branch. The format is fixed: AKJB = bank code, 0 = reserved, 000011 = branch identifier.

Bank profile

Akola Janata Commercial Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Murtizapur branch — IFSC AKJB0000011 — extends the bank's services to customers in and around Akola, Maharashtra.

Branch details at a glance

Murtizapur branch overview

Located at HARIYA NAGAR,MAIN ROAD,MURTIZAPUR PIN 444107, the Murtizapur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC AKJB0000011 is required for all interbank electronic transfers routed through this branch.

Why every Akola Janata Commercial Cooperative Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including MURTIZAPUR of Akola Janata Commercial Cooperative Bank — its own 11-character IFSC. The code AKJB0000011 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC AKJB0000011 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Murtizapur branch is mapped to IFSC AKJB0000011 on the RBI payments network. The branch generally supports the full retail product catalogue of Akola Janata Commercial Cooperative Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains AKJB0000011.

Products and services

Customers walking into the Murtizapur branch can access most of Akola Janata Commercial Cooperative Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC AKJB0000011

How to transfer money using IFSC AKJB0000011

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC AKJB0000011 across all three.

NEFT to Akola Janata Commercial Cooperative Bank, MURTIZAPUR using IFSC AKJB0000011

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC AKJB0000011, and confirm that the system picks up Akola Janata Commercial Cooperative Bank – MURTIZAPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC AKJB0000011

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Akola Janata Commercial Cooperative Bank – MURTIZAPUR, ensure your bank's portal accepts IFSC AKJB0000011 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Akola Janata Commercial Cooperative Bank MURTIZAPUR (IFSC AKJB0000011)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AKJB0000011 in your mobile or internet banking app, and the money is credited to the MURTIZAPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Murtizapur

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC AKJB0000011:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at MURTIZAPUR is still linked to IFSC AKJB0000011.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC AKJB0000011

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Akola Janata Commercial Cooperative Bank – MURTIZAPUR is still mapped to IFSC AKJB0000011. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC AKJB0000011 and the beneficiary's account number to complete the transfer.

Online banking and IFSC AKJB0000011

Akola Janata Commercial Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the MURTIZAPUR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC AKJB0000011 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Akola Janata Commercial Cooperative Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC AKJB0000011 and the account number together uniquely identify the Murtizapur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Akola Janata Commercial Cooperative Bank – MURTIZAPUR:

• The IFSC is exactly AKJB0000011 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Akola Janata Commercial Cooperative Bank as the bank name and MURTIZAPUR as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Murtizapur branch

The branch is located at HARIYA NAGAR,MAIN ROAD,MURTIZAPUR PIN 444107, which puts it inside Akola, the broader Akola district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Akola Janata Commercial Cooperative Bank Murtizapur branch” — the verified location pin for IFSC AKJB0000011 should appear at the top of the results.
2. Confirm the branch is open by calling 7256-243205 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC AKJB0000011 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AKJB0000011 for Akola Janata Commercial Cooperative Bank – MURTIZAPUR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Murtizapur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC AKJB0000011, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: AKJB0000011 is the IFSC code of Akola Janata Commercial Cooperative Bank, MURTIZAPUR branch, in AKOLA, MAHARASHTRA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.