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 JSBL0000012. 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 JSBL0000012 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 JSBL0000012 breaks down as follows: JSBL identifies the bank, 0 is the reserved character, and 000012 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 JSBL0000012 for all electronic settlement.
Branch details at a glance
| Bank Name | Janakalyan Sahakari Bank Limited |
|---|---|
| IFSC Code | JSBL0000012 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 701, KALA KUNJ, LINKING ROAD, NEAR TELEPHONE EXCHANGE, KHAR, MUMBAI - 400 052. |
| State | Maharashtra |
| Phone | 8108066012 |
About the branch
The branch of Janakalyan Sahakari Bank Limited is situated at 701, KALA KUNJ, LINKING ROAD, NEAR TELEPHONE EXCHANGE, KHAR, MUMBAI - 400 052.. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code JSBL0000012 is used.
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 Janakalyan Sahakari Bank Limited's branch came to be assigned the code JSBL0000012.
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 JSBL0000012, money simply cannot be routed to the branch electronically.
Account types you can open at the branch
Once you have an account at Janakalyan Sahakari Bank Limited – , the IFSC JSBL0000012 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 JSBL0000012
How to transfer money using IFSC JSBL0000012
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 JSBL0000012 across all three.
NEFT to Janakalyan Sahakari Bank Limited, using IFSC JSBL0000012
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 JSBL0000012, 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.
Real-Time Gross Settlement to
If you need to transfer ₹2 lakh or more in one go to an account at Janakalyan Sahakari Bank Limited's branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSBL0000012 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Janakalyan Sahakari Bank Limited – , use IMPS. With IFSC JSBL0000012 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 JSBL0000012 for Janakalyan Sahakari Bank Limited – , 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – JSBL0000012 | Yes – JSBL0000012 | Yes – JSBL0000012 |
For most retail customers crediting the 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 Janakalyan Sahakari Bank Limited's branch, the IFSC JSBL0000012 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 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 JSBL0000012 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 JSBL0000012 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 JSBL0000012
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:
JSBL0000012. - 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.
Reaching the branch
The branch sits at 701, KALA KUNJ, LINKING ROAD, NEAR TELEPHONE EXCHANGE, KHAR, MUMBAI - 400 052.. If you are travelling from outside , search for the branch on a maps application using the bank name and locality, or call 8108066012 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 JSBL0000012 and your account number.
Verifying IFSC JSBL0000012 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 JSBL0000012 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8108066012.
- 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 JSBL0000012 continue to work without interruption.
Branch address & contact
Janakalyan Sahakari Bank LimitedBranch
701, KALA KUNJ, LINKING ROAD, NEAR TELEPHONE EXCHANGE, KHAR, MUMBAI - 400 052.
, Maharashtra
Phone: 8108066012
IFSC: JSBL0000012
Frequently asked questions
What is the IFSC code of Janakalyan Sahakari Bank Limited branch?
The IFSC code of Janakalyan Sahakari Bank Limited, branch is JSBL0000012. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using JSBL0000012 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Janakalyan Sahakari Bank Limited – reflect within 30 minutes.
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 JSBL0000012, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Janakalyan Sahakari Bank Limited branch located?
Janakalyan Sahakari Bank Limited's branch is located at 701, KALA KUNJ, LINKING ROAD, NEAR TELEPHONE EXCHANGE, KHAR, MUMBAI - 400 052., , Maharashtra.
Does Janakalyan Sahakari Bank Limited branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8108066012 to confirm.
Is IFSC JSBL0000012 valid for NEFT and RTGS?
Yes. IFSC JSBL0000012 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the branch but serve different purposes.
What is the phone number of Janakalyan Sahakari Bank Limited branch?
You can reach the branch at 8108066012 during regular banking hours.
Summary
The IFSC code JSBL0000012 belongs to Janakalyan Sahakari Bank Limited's branch, located at 701, KALA KUNJ, LINKING ROAD, NEAR TELEPHONE EXCHANGE, KHAR, MUMBAI - 400 052. 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.
