Below are the complete branch details for Janakalyan Sahakari Bank Limited, branch, located in , MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is JSBL0000015. 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 JSBL0000015 for Janakalyan Sahakari Bank Limited – — 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 Janakalyan Sahakari Bank Limited – is JSBL0000015. The first four letters JSBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000015 map to this branch in , MAHARASHTRA.
About Janakalyan Sahakari Bank Limited
Janakalyan Sahakari Bank Limited operates a wide network of branches across India, including the branch in . 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, JSBL0000015.
Branch details at a glance
| Bank Name | Janakalyan Sahakari Bank Limited |
|---|---|
| IFSC Code | JSBL0000015 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AMBIKA CHS. LTD, SHOP NO.-1, 2 & 8, PHADKE ROAD, SAHANI CHOWK, MULUND (EAST), MUMBAI - 400 081. |
| State | Maharashtra |
| Phone | 8108066015 |
About the branch
The branch of Janakalyan Sahakari Bank Limited is situated at AMBIKA CHS. LTD, SHOP NO.-1, 2 & 8, PHADKE ROAD, SAHANI CHOWK, MULUND (EAST), MUMBAI - 400 081.. 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 JSBL0000015 is used.
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 JSBL0000015 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 JSBL0000015 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 JSBL0000015 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 JSBL0000015
How to transfer money using IFSC JSBL0000015
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 JSBL0000015 across all three.
NEFT to Janakalyan Sahakari Bank Limited, using IFSC JSBL0000015
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 JSBL0000015, 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 JSBL0000015 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 JSBL0000015 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 JSBL0000015:
- 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 JSBL0000015.
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 JSBL0000015
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 JSBL0000015. 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 JSBL0000015 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 JSBL0000015 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 JSBL0000015 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 JSBL0000015
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:
JSBL0000015. - 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 AMBIKA CHS. LTD, SHOP NO.-1, 2 & 8, PHADKE ROAD, SAHANI CHOWK, MULUND (EAST), MUMBAI - 400 081., 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 JSBL0000015 should appear at the top of the results.
- Confirm the branch is open by calling 8108066015 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 JSBL0000015 and your account number.
Verifying IFSC JSBL0000015 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 JSBL0000015 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8108066015.
- 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 branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JSBL0000015, however, work 24x7.
Branch address & contact
Janakalyan Sahakari Bank LimitedBranch
AMBIKA CHS. LTD, SHOP NO.-1, 2 & 8, PHADKE ROAD, SAHANI CHOWK, MULUND (EAST), MUMBAI - 400 081.
, Maharashtra
Phone: 8108066015
IFSC: JSBL0000015
Frequently asked questions
Can I use IFSC JSBL0000015 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC JSBL0000015 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 8108066015 to confirm.
Where is Janakalyan Sahakari Bank Limited branch located?
Janakalyan Sahakari Bank Limited's branch is located at AMBIKA CHS. LTD, SHOP NO.-1, 2 & 8, PHADKE ROAD, SAHANI CHOWK, MULUND (EAST), MUMBAI - 400 081., , Maharashtra.
Is IFSC JSBL0000015 valid for NEFT and RTGS?
Yes. IFSC JSBL0000015 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 IFSC code of Janakalyan Sahakari Bank Limited branch?
The IFSC code of Janakalyan Sahakari Bank Limited, branch is JSBL0000015. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC JSBL0000015 the same for all accounts at branch?
Yes. The IFSC JSBL0000015 is shared by every account held at Janakalyan Sahakari Bank Limited's branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using JSBL0000015 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Janakalyan Sahakari Bank Limited – reflect within 30 minutes.
Summary
The IFSC code JSBL0000015 belongs to Janakalyan Sahakari Bank Limited's branch, located at AMBIKA CHS. LTD, SHOP NO.-1, 2 & 8, PHADKE ROAD, SAHANI CHOWK, MULUND (EAST),… 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.
