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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Janata Sahakari Bank Limited Pune, RATNAGIRI branch in RATNAGIRI. The 11-digit IFSC JSBP0000022 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Janata Sahakari Bank Limited Pune at the RATNAGIRI location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 RATNAGIRI branch, the IFSC JSBP0000022 breaks down as follows: JSBP identifies the bank, 0 is the reserved character, and 000022 identifies this particular branch.

Bank profile

Janata Sahakari Bank Limited Pune is among the recognised banks listed on the Reserve Bank of India's payments network. The Ratnagiri branch — IFSC JSBP0000022 — extends the bank's services to customers in and around Ratnagiri, Maharashtra.

Branch details at a glance

Ratnagiri branch overview

Located at 1973, SHREE RAM ALI,RATNAGIRI - 415612,E-MAIL RATNAGIRI AT JANATABANKPUNE.COM, the Ratnagiri branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JSBP0000022 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 Janata Sahakari Bank Limited Pune's RATNAGIRI branch came to be assigned the code JSBP0000022.

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 JSBP0000022, money simply cannot be routed to the RATNAGIRI branch electronically.

Account types you can open at the Ratnagiri branch

Once you have an account at Janata Sahakari Bank Limited Pune – RATNAGIRI, the IFSC JSBP0000022 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 Ratnagiri 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 JSBP0000022

How to transfer money using IFSC JSBP0000022

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 JSBP0000022 across all three.

NEFT to Janata Sahakari Bank Limited Pune, RATNAGIRI using IFSC JSBP0000022

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 JSBP0000022, and confirm that the system picks up Janata Sahakari Bank Limited Pune – RATNAGIRI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC JSBP0000022

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Janata Sahakari Bank Limited Pune – RATNAGIRI, ensure your bank's portal accepts IFSC JSBP0000022 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Janata Sahakari Bank Limited Pune RATNAGIRI (IFSC JSBP0000022)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSBP0000022 in your mobile or internet banking app, and the money is credited to the RATNAGIRI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ratnagiri

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 JSBP0000022:

• 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 RATNAGIRI is still linked to IFSC JSBP0000022.

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 JSBP0000022

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 Janata Sahakari Bank Limited Pune – RATNAGIRI is still mapped to IFSC JSBP0000022. 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 JSBP0000022 and the beneficiary's account number to complete the transfer.

Online banking and IFSC JSBP0000022

Janata Sahakari Bank Limited Pune customers can register for net banking and the bank's official mobile app once their account at the RATNAGIRI 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 JSBP0000022 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.

MICR & cheque-truncation details

Cheques drawn on the Ratnagiri branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JSBP0000022 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 Janata Sahakari Bank Limited Pune – RATNAGIRI:

• The IFSC is exactly JSBP0000022 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Janata Sahakari Bank Limited Pune as the bank name and RATNAGIRI 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 Ratnagiri branch

The branch is located at 1973, SHREE RAM ALI,RATNAGIRI - 415612,E-MAIL RATNAGIRI AT JANATABANKPUNE.COM, which puts it inside Ratnagiri, the broader Ratnagiri 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 Ratnagiri branch” — the verified location pin for IFSC JSBP0000022 should appear at the top of the results.
2. Confirm the branch is open by calling 2352-222393 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 JSBP0000022 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JSBP0000022 for Janata Sahakari Bank Limited Pune – RATNAGIRI, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Ratnagiri branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JSBP0000022, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JSBP0000022 belongs to Janata Sahakari Bank Limited Pune's RATNAGIRI branch, located at 1973, SHREE RAM ALI,RATNAGIRI - 415612,E-MAIL RATNAGIRI AT JANATABANKPUNE.COM in RATNAGIRI, 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.