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 JSBL0000020. 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 JSBL0000020 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 JSBL0000020. The first four letters JSBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000020 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, JSBL0000020.
About this branch
The branch is located at 108 & 109, ASHISH INDUSTRIAL ESTATE, GOKHALE ROAD (SOUTH), DADAR (WEST), MUMBAI - 400 025.. It serves the region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Janakalyan Sahakari Bank Limited. The IFSC JSBL0000020 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Janakalyan Sahakari Bank Limited |
|---|---|
| IFSC Code | JSBL0000020 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 108 & 109, ASHISH INDUSTRIAL ESTATE, GOKHALE ROAD (SOUTH), DADAR (WEST), MUMBAI - 400 025. |
| State | Maharashtra |
| Phone | 8108066002 |
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 JSBL0000020.
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 JSBL0000020, money simply cannot be routed to the branch electronically.
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 JSBL0000020 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.
How to transfer money using IFSC JSBL0000020
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 JSBL0000020 across all three.
How to use IFSC JSBL0000020 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Janakalyan Sahakari Bank Limited's 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC JSBL0000020.
- Confirm the bank name auto-populates as Janakalyan Sahakari Bank Limited and the branch as .
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT 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 JSBL0000020 while initiating the transfer and the credit will appear within minutes.
IMPS to Janakalyan Sahakari Bank Limited (IFSC JSBL0000020)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSBL0000020 in your mobile or internet banking app, and the money is credited to the branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC JSBL0000020 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 – JSBL0000020 | Yes – JSBL0000020 | Yes – JSBL0000020 |
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.
UPI payments and IFSC JSBL0000020
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 JSBL0000020. 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 JSBL0000020 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the branch is mapped to IFSC JSBL0000020 on the RBI payments network. The branch generally supports the full retail product catalogue of Janakalyan Sahakari Bank Limited, 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 JSBL0000020.
Banking services available
The branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8108066002.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC JSBL0000020
Online banking and IFSC JSBL0000020
Janakalyan Sahakari Bank Limited customers can register for net banking and the bank's official mobile app once their account at the 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 JSBL0000020 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 branch sits at 108 & 109, ASHISH INDUSTRIAL ESTATE, GOKHALE ROAD (SOUTH), DADAR (WEST), MUMBAI - 400 025.. If you are travelling from outside , search for the branch on a maps application using the bank name and locality, or call 8108066002 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 JSBL0000020 and your account number.
Common mistakes to avoid when using IFSC JSBL0000020
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:
JSBL0000020. - 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.
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 JSBL0000020, however, work 24x7.
Verifying IFSC JSBL0000020 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 JSBL0000020 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8108066002.
- Visiting the bank's official branch locator page.
Branch address & contact
Janakalyan Sahakari Bank LimitedBranch
108 & 109, ASHISH INDUSTRIAL ESTATE, GOKHALE ROAD (SOUTH), DADAR (WEST), MUMBAI - 400 025.
, Maharashtra
Phone: 8108066002
IFSC: JSBL0000020
Frequently asked questions
Can I use IFSC JSBL0000020 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC JSBL0000020 to send funds instantly.
Is IFSC JSBL0000020 valid for NEFT and RTGS?
Yes. IFSC JSBL0000020 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Janakalyan Sahakari Bank Limited branch?
You can reach the branch at 8108066002 during regular banking hours.
How quickly will an NEFT transfer using JSBL0000020 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 JSBL0000020. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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.
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 JSBL0000020, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Janakalyan Sahakari Bank Limited branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8108066002 to confirm.
Summary
The IFSC code JSBL0000020 belongs to Janakalyan Sahakari Bank Limited's branch, located at 108 & 109, ASHISH INDUSTRIAL ESTATE, GOKHALE ROAD (SOUTH), DADAR (WEST),… 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.
