IFSC Code of Janaseva Sahakari Bank Borivli Limited, Kandivali West Branch, Maharashtra

If you are searching for the IFSC code of Janaseva Sahakari Bank Borivli Limited, KANDIVALI WEST branch in KANDIVALI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is JASB0000004. 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 KANDIVALI WEST branch, and detailed step-by-step guides for using the IFSC JASB0000004 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 Janaseva Sahakari Bank Borivli Limited's KANDIVALI WEST branch, the IFSC JASB0000004 breaks down as follows: JASB identifies the bank, 0 is the reserved character, and 000004 identifies this particular branch.

Branch details at a glance

About the bank

Janaseva Sahakari Bank Borivli Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kandivali West branch in Kandivali, Maharashtra is part of this network and uses the IFSC code JASB0000004 for all electronic settlement.

Kandivali West branch overview

Located at LAXMI VILLA,1ST FLOOR,M G ROAD,OPP KALA HANUMAN MANDIR,KANDIVLI WEST,MUMBAI 400067, the Kandivali West branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JASB0000004 is required for all interbank electronic transfers routed through this branch.

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 Janaseva Sahakari Bank Borivli Limited's KANDIVALI WEST branch came to be assigned the code JASB0000004.

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 JASB0000004, money simply cannot be routed to the KANDIVALI WEST branch electronically.

How to transfer money using IFSC JASB0000004

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 JASB0000004 across all three.

NEFT to Janaseva Sahakari Bank Borivli Limited, KANDIVALI WEST using IFSC JASB0000004

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 JASB0000004, and confirm that the system picks up Janaseva Sahakari Bank Borivli Limited – KANDIVALI WEST. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KANDIVALI WEST

If you need to transfer ₹2 lakh or more in one go to an account at Janaseva Sahakari Bank Borivli Limited's KANDIVALI WEST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JASB0000004 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Janaseva Sahakari Bank Borivli Limited – KANDIVALI WEST, use IMPS. With IFSC JASB0000004 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 JASB0000004 for Janaseva Sahakari Bank Borivli Limited – KANDIVALI WEST, 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 Kandivali West 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 Janaseva Sahakari Bank Borivli Limited's KANDIVALI WEST branch, the IFSC JASB0000004 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 Kandivali West branch is mapped to IFSC JASB0000004 on the RBI payments network. The branch generally supports the full retail product catalogue of Janaseva Sahakari Bank Borivli 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 JASB0000004.

Products and services

Customers walking into the Kandivali West branch can access most of Janaseva Sahakari Bank Borivli 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 JASB0000004

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Janaseva Sahakari Bank Borivli Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC JASB0000004 and the account number together uniquely identify the Kandivali West branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC JASB0000004

Janaseva Sahakari Bank Borivli Limited customers can register for net banking and the bank's official mobile app once their account at the KANDIVALI WEST 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 JASB0000004 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.

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 Janaseva Sahakari Bank Borivli Limited – KANDIVALI WEST:

• The IFSC is exactly JASB0000004 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Janaseva Sahakari Bank Borivli Limited as the bank name and KANDIVALI WEST 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.

How to reach the Kandivali West branch

The branch is located at LAXMI VILLA,1ST FLOOR,M G ROAD,OPP KALA HANUMAN MANDIR,KANDIVLI WEST,MUMBAI 400067, which puts it inside Kandivali, the broader Greater Bombay district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Janaseva Sahakari Bank Borivli Limited Kandivali West branch” — the verified location pin for IFSC JASB0000004 should appear at the top of the results.
2. Confirm the branch is open by calling 22-28619971 before stepping out, especially around public holidays.
3. 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 JASB0000004 and your account number.

Verifying IFSC JASB0000004 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 JASB0000004 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-28619971.
• 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 Kandivali West branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JASB0000004, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: JASB0000004 is the IFSC code of Janaseva Sahakari Bank Borivli Limited, KANDIVALI WEST branch, in KANDIVALI, 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.