IFSC Code of IDBI Bank, Janata Sahakari Bank Ltd Ajara Branch, Maharashtra

Below are the complete branch details for IDBI Bank, JANATA SAHAKARI BANK LTD AJARA branch, located in AJRA, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0116JSB. 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 IBKL0116JSB for IDBI Bank – JANATA SAHAKARI BANK LTD AJARA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for IDBI Bank – JANATA SAHAKARI BANK LTD AJARA is IBKL0116JSB. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 116JSB map to this branch in AJRA, MAHARASHTRA.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Janata Sahakari Bank Ltd Ajara branch — IFSC IBKL0116JSB — extends the bank's services to customers in and around Ajra, Maharashtra.

Branch details at a glance

About this branch

The branch is located at MAIN ROAD, AJARA 416505, DIST KOLHAPUR. It serves the Ajra region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of IDBI Bank. The IFSC IBKL0116JSB is used to identify this branch on the RBI payments network.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how IDBI Bank's JANATA SAHAKARI BANK LTD AJARA branch came to be assigned the code IBKL0116JSB.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC IBKL0116JSB, money simply cannot be routed to the JANATA SAHAKARI BANK LTD AJARA branch electronically.

Account types you can open at the Janata Sahakari Bank Ltd Ajara branch

Once you have an account at IDBI Bank – JANATA SAHAKARI BANK LTD AJARA, the IFSC IBKL0116JSB stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Janata Sahakari Bank Ltd Ajara branch can access most of IDBI 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 IBKL0116JSB

How to transfer money using IFSC IBKL0116JSB

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 IBKL0116JSB across all three.

NEFT to IDBI Bank, JANATA SAHAKARI BANK LTD AJARA using IFSC IBKL0116JSB

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 IBKL0116JSB, and confirm that the system picks up IDBI Bank – JANATA SAHAKARI BANK LTD AJARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IBKL0116JSB

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 IDBI Bank – JANATA SAHAKARI BANK LTD AJARA, ensure your bank's portal accepts IFSC IBKL0116JSB while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank JANATA SAHAKARI BANK LTD AJARA (IFSC IBKL0116JSB)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0116JSB in your mobile or internet banking app, and the money is credited to the JANATA SAHAKARI BANK LTD AJARA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Janata Sahakari Bank Ltd Ajara

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 IBKL0116JSB:

• 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 JANATA SAHAKARI BANK LTD AJARA is still linked to IFSC IBKL0116JSB.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at IDBI Bank's JANATA SAHAKARI BANK LTD AJARA branch, the IFSC IBKL0116JSB is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Digital banking channels

Most day-to-day work that customers used to do at the Janata Sahakari Bank Ltd Ajara branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IBKL0116JSB is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR & cheque-truncation details

Cheques drawn on the Janata Sahakari Bank Ltd Ajara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0116JSB for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 IDBI Bank – JANATA SAHAKARI BANK LTD AJARA:

• The IFSC is exactly IBKL0116JSB with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills IDBI Bank as the bank name and JANATA SAHAKARI BANK LTD AJARA 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 Janata Sahakari Bank Ltd Ajara branch

The branch is located at MAIN ROAD, AJARA 416505, DIST KOLHAPUR, which puts it inside Ajra, the broader Kolhapur district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank Janata Sahakari Bank Ltd Ajara branch” — the verified location pin for IFSC IBKL0116JSB should appear at the top of the results.
2. Confirm the branch is open by calling 2323-246252 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 IBKL0116JSB and your account number.

Verifying IFSC IBKL0116JSB from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm IBKL0116JSB by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2323-246252.
• Visiting the bank's official branch locator page.

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 Janata Sahakari Bank Ltd Ajara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0116JSB, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0116JSB is the IFSC code of IDBI Bank, JANATA SAHAKARI BANK LTD AJARA branch, in AJRA, 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.