IFSC Code of Janata Sahakari Bank Limited Pune, Girgaon Branch, Maharashtra

If you are searching for the IFSC code of Janata Sahakari Bank Limited Pune, GIRGAON branch in GIRGAON, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is JSBP0000021. 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 GIRGAON branch, and detailed step-by-step guides for using the IFSC JSBP0000021 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 Janata Sahakari Bank Limited Pune's GIRGAON branch, the IFSC JSBP0000021 breaks down as follows: JSBP identifies the bank, 0 is the reserved character, and 000021 identifies this particular branch.

About Janata Sahakari Bank Limited Pune

Janata Sahakari Bank Limited Pune operates a wide network of branches across India, including the Girgaon branch in Girgaon. 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, JSBP0000021.

About this branch

The branch is located at DECCAN CHAMBERS,OPP.MAJESTIC SHOPPING CENTRE,BEHIND MOTIWALE PARANJAPE,GIRGAON,MUMBAI -400004. It serves the Girgaon region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Janata Sahakari Bank Limited Pune. The IFSC JSBP0000021 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 Janata Sahakari Bank Limited Pune's GIRGAON branch came to be assigned the code JSBP0000021.

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 JSBP0000021, money simply cannot be routed to the GIRGAON branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Janata Sahakari Bank Limited Pune carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC JSBP0000021 and the account number together uniquely identify the Girgaon branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC JSBP0000021

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 JSBP0000021 across all three.

How to use IFSC JSBP0000021 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Janata Sahakari Bank Limited Pune's GIRGAON 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC JSBP0000021.
4. Confirm the bank name auto-populates as Janata Sahakari Bank Limited Pune and the branch as GIRGAON.
5. 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 GIRGAON

If you need to transfer ₹2 lakh or more in one go to an account at Janata Sahakari Bank Limited Pune's GIRGAON branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSBP0000021 while initiating the transfer and the credit will appear within minutes.

IMPS to Janata Sahakari Bank Limited Pune GIRGAON (IFSC JSBP0000021)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSBP0000021 in your mobile or internet banking app, and the money is credited to the GIRGAON branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC JSBP0000021 for Janata Sahakari Bank Limited Pune – GIRGAON, 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 Girgaon 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 Janata Sahakari Bank Limited Pune's GIRGAON branch, the IFSC JSBP0000021 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 Girgaon branch is mapped to IFSC JSBP0000021 on the RBI payments network. The branch generally supports the full retail product catalogue of Janata Sahakari Bank Limited Pune, 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 JSBP0000021.

Products and services

Customers walking into the Girgaon branch can access most of Janata Sahakari Bank Limited Pune'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 JSBP0000021

Digital banking channels

Most day-to-day work that customers used to do at the Girgaon 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 JSBP0000021 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.

How to reach the Girgaon branch

The branch is located at DECCAN CHAMBERS,OPP.MAJESTIC SHOPPING CENTRE,BEHIND MOTIWALE PARANJAPE,GIRGAON,MUMBAI -400004, which puts it inside Girgaon, the broader Mumbai district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Janata Sahakari Bank Limited Pune Girgaon branch” — the verified location pin for IFSC JSBP0000021 should appear at the top of the results.
2. Confirm the branch is open by calling 22-23869397 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 JSBP0000021 and your account number.

Common mistakes to avoid when using IFSC JSBP0000021

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 Janata Sahakari Bank Limited Pune – GIRGAON, 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: JSBP0000021.
• 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.

Working hours

Branch counters at Girgaon 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 JSBP0000021 continue to work without interruption.

Verifying IFSC JSBP0000021 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 JSBP0000021 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-23869397.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JSBP0000021 belongs to Janata Sahakari Bank Limited Pune's GIRGAON branch, located at DECCAN CHAMBERS,OPP.MAJESTIC SHOPPING CENTRE,BEHIND MOTIWALE… in GIRGAON, 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.