If you are searching for the IFSC code of Janakalyan Sahakari Bank Limited, branch in , MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is JSBL0000004. 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 branch, and detailed step-by-step guides for using the IFSC JSBL0000004 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Janakalyan Sahakari Bank Limited's branch, the IFSC JSBL0000004 breaks down as follows: JSBL identifies the bank, 0 is the reserved character, and 000004 identifies this particular branch.
About the bank
Janakalyan Sahakari Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its branch in , Maharashtra is part of this network and uses the IFSC code JSBL0000004 for all electronic settlement.
Branch details at a glance
| Bank Name | Janakalyan Sahakari Bank Limited |
|---|---|
| IFSC Code | JSBL0000004 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VIDYANIDHI SCHOOL BULDING, JVPD SCHEME, VILE PARLE (WEST), MUMBAI - 400 049. |
| State | Maharashtra |
| Phone | 8108066004 |
branch overview
Located at VIDYANIDHI SCHOOL BULDING, JVPD SCHEME, VILE PARLE (WEST), MUMBAI - 400 049., the branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JSBL0000004 is required for all interbank electronic transfers routed through this branch.
Why every Janakalyan Sahakari Bank Limited 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 of Janakalyan Sahakari Bank Limited — its own 11-character IFSC. The code JSBL0000004 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 JSBL0000004 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the branch
Once you have an account at Janakalyan Sahakari Bank Limited – , the IFSC JSBL0000004 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 branch can access most of Janakalyan Sahakari Bank Limited'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 JSBL0000004
How to transfer money using IFSC JSBL0000004
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 JSBL0000004 across all three.
NEFT to Janakalyan Sahakari Bank Limited, using IFSC JSBL0000004
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 JSBL0000004, and confirm that the system picks up Janakalyan Sahakari Bank Limited – . Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC JSBL0000004
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 Janakalyan Sahakari Bank Limited – , ensure your bank's portal accepts IFSC JSBL0000004 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Janakalyan Sahakari Bank Limited – , use IMPS. With IFSC JSBL0000004 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to
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 JSBL0000004:
- 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 is still linked to IFSC JSBL0000004.
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 JSBL0000004
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 Janakalyan Sahakari Bank Limited – is still mapped to IFSC JSBL0000004. 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 JSBL0000004 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the 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 JSBL0000004 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 code & cheque clearing
Apart from IFSC, every cheque book issued by Janakalyan Sahakari Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC JSBL0000004 and the account number together uniquely identify the branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC JSBL0000004
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Janakalyan Sahakari Bank Limited – , double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
JSBL0000004. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the branch
The branch is located at VIDYANIDHI SCHOOL BULDING, JVPD SCHEME, VILE PARLE (WEST), MUMBAI - 400 049., which puts it inside , the broader district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Janakalyan Sahakari Bank Limited branch” — the verified location pin for IFSC JSBL0000004 should appear at the top of the results.
- Confirm the branch is open by calling 8108066004 before stepping out, especially around public holidays.
- 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 JSBL0000004 and your account number.
Verifying IFSC JSBL0000004 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 JSBL0000004 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8108066004.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at 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 JSBL0000004 continue to work without interruption.
Branch address & contact
Janakalyan Sahakari Bank LimitedBranch
VIDYANIDHI SCHOOL BULDING, JVPD SCHEME, VILE PARLE (WEST), MUMBAI - 400 049.
, Maharashtra
Phone: 8108066004
IFSC: JSBL0000004
Frequently asked questions
How quickly will an NEFT transfer using JSBL0000004 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Janakalyan Sahakari Bank Limited – reflect within 30 minutes.
What is the IFSC code of Janakalyan Sahakari Bank Limited branch?
The IFSC code of Janakalyan Sahakari Bank Limited, branch is JSBL0000004. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Janakalyan Sahakari Bank Limited as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC JSBL0000004, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC JSBL0000004 the same for all accounts at branch?
Yes. The IFSC JSBL0000004 is shared by every account held at Janakalyan Sahakari Bank Limited's branch. Only the account number changes from customer to customer.
Can I use IFSC JSBL0000004 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC JSBL0000004 to send funds instantly.
Does Janakalyan Sahakari Bank Limited branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8108066004 to confirm.
Where is Janakalyan Sahakari Bank Limited branch located?
Janakalyan Sahakari Bank Limited's branch is located at VIDYANIDHI SCHOOL BULDING, JVPD SCHEME, VILE PARLE (WEST), MUMBAI - 400 049., , Maharashtra.
Summary
The IFSC code JSBL0000004 belongs to Janakalyan Sahakari Bank Limited's branch, located at VIDYANIDHI SCHOOL BULDING, JVPD SCHEME, VILE PARLE (WEST), MUMBAI - 400 049. in , MAHARASHTRA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
