IFSC Code of IDBI Bank, The Karad Janata Sah Bank Ltd Karad Branch, Maharashtra

If you are searching for the IFSC code of IDBI Bank, THE KARAD JANATA SAH BANK LTD KARAD branch in KARAD, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is IBKL0470KJS. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the THE KARAD JANATA SAH BANK LTD KARAD branch, and detailed step-by-step guides for using the IFSC IBKL0470KJS across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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, IBKL0470KJS is the IFSC of IDBI Bank's THE KARAD JANATA SAH BANK LTD KARAD branch. The format is fixed: IBKL = bank code, 0 = reserved, 470KJS = branch identifier.

About IDBI Bank

IDBI Bank operates a wide network of branches across India, including the The Karad Janata Sah Bank Ltd Karad branch in Karad. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IBKL0470KJS.

The Karad Janata Sah Bank Ltd Karad branch overview

Located at 438 A SHANIWAR PETH TAL KARAD DIST SATARA 415110, the The Karad Janata Sah Bank Ltd Karad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0470KJS is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 THE KARAD JANATA SAH BANK LTD KARAD branch came to be assigned the code IBKL0470KJS.

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 IBKL0470KJS, money simply cannot be routed to the THE KARAD JANATA SAH BANK LTD KARAD branch electronically.

MICR & cheque-truncation details

Cheques drawn on the The Karad Janata Sah Bank Ltd Karad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0470KJS for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC IBKL0470KJS

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 IBKL0470KJS across all three.

How to use IFSC IBKL0470KJS for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's THE KARAD JANATA SAH BANK LTD KARAD branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IBKL0470KJS.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as THE KARAD JANATA SAH BANK LTD KARAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IBKL0470KJS

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 – THE KARAD JANATA SAH BANK LTD KARAD, ensure your bank's portal accepts IFSC IBKL0470KJS while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – THE KARAD JANATA SAH BANK LTD KARAD, use IMPS. With IFSC IBKL0470KJS and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IBKL0470KJS for IDBI Bank – THE KARAD JANATA SAH BANK LTD KARAD, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the The Karad Janata Sah Bank Ltd Karad branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

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 THE KARAD JANATA SAH BANK LTD KARAD branch, the IFSC IBKL0470KJS 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.

Products and account variants supported

Every account opened at the The Karad Janata Sah Bank Ltd Karad branch is mapped to IFSC IBKL0470KJS on the RBI payments network. The branch generally supports the full retail product catalogue of IDBI 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 IBKL0470KJS.

Products and services

Customers walking into the The Karad Janata Sah Bank Ltd Karad 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 IBKL0470KJS

Online banking and IFSC IBKL0470KJS

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the THE KARAD JANATA SAH BANK LTD KARAD 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 IBKL0470KJS 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.

Reaching the branch

The The Karad Janata Sah Bank Ltd Karad branch sits at 438 A SHANIWAR PETH TAL KARAD DIST SATARA 415110. If you are travelling from outside Karad, search for the branch on a maps application using the bank name and locality, or call 21-64222310 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IBKL0470KJS and your account number.

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 – THE KARAD JANATA SAH BANK LTD KARAD:

• The IFSC is exactly IBKL0470KJS 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 THE KARAD JANATA SAH BANK LTD KARAD 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.

Working hours

Branch counters at The Karad Janata Sah Bank Ltd Karad are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to IBKL0470KJS continue to work without interruption.

Verifying IFSC IBKL0470KJS 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 IBKL0470KJS by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 21-64222310.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0470KJS is the IFSC code of IDBI Bank, THE KARAD JANATA SAH BANK LTD KARAD branch, in KARAD, 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.