IFSC Code of Janatha Seva Cooperative Bank Ltd, Rajarajeshwari Nagara Branch, Karnataka

Use this page as a one-stop reference for everything related to Janatha Seva Cooperative Bank Ltd's RAJARAJESHWARI NAGARA branch in BENGALURU, KARNATAKA. The branch's IFSC code JTSC0000005 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 Janatha Seva Cooperative Bank Ltd's RAJARAJESHWARI NAGARA branch, the IFSC JTSC0000005 breaks down as follows: JTSC identifies the bank, 0 is the reserved character, and 000005 identifies this particular branch.

About Janatha Seva Cooperative Bank Ltd

Janatha Seva Cooperative Bank Ltd operates a wide network of branches across India, including the Rajarajeshwari Nagara branch in Bengaluru. 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, JTSC0000005.

Branch details at a glance

About the Rajarajeshwari Nagara branch

The Rajarajeshwari Nagara branch of Janatha Seva Cooperative Bank Ltd is situated at NO117,12TH CROSS,IDEAL HOMES,RAJARAJESHWARI NAGARA,BENGALURU-560098. 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 JTSC0000005 is used.

Why every Janatha Seva Cooperative Bank Ltd 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 RAJARAJESHWARI NAGARA of Janatha Seva Cooperative Bank Ltd — its own 11-character IFSC. The code JTSC0000005 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 JTSC0000005 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 Rajarajeshwari Nagara branch

Once you have an account at Janatha Seva Cooperative Bank Ltd – RAJARAJESHWARI NAGARA, the IFSC JTSC0000005 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.

Banking services available

The Rajarajeshwari Nagara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2860462.

• 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 JTSC0000005

How to transfer money using IFSC JTSC0000005

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 JTSC0000005 across all three.

How to use IFSC JTSC0000005 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Janatha Seva Cooperative Bank Ltd's RAJARAJESHWARI NAGARA 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 JTSC0000005.
4. Confirm the bank name auto-populates as Janatha Seva Cooperative Bank Ltd and the branch as RAJARAJESHWARI NAGARA.
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 RAJARAJESHWARI NAGARA

If you need to transfer ₹2 lakh or more in one go to an account at Janatha Seva Cooperative Bank Ltd's RAJARAJESHWARI NAGARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JTSC0000005 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Janatha Seva Cooperative Bank Ltd – RAJARAJESHWARI NAGARA, use IMPS. With IFSC JTSC0000005 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 Rajarajeshwari Nagara

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 JTSC0000005:

• 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 RAJARAJESHWARI NAGARA is still linked to IFSC JTSC0000005.

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 JTSC0000005

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 Janatha Seva Cooperative Bank Ltd – RAJARAJESHWARI NAGARA is still mapped to IFSC JTSC0000005. 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 JTSC0000005 and the beneficiary's account number to complete the transfer.

Online banking and IFSC JTSC0000005

Janatha Seva Cooperative Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the RAJARAJESHWARI NAGARA 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 JTSC0000005 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 Rajarajeshwari Nagara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JTSC0000005 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 Janatha Seva Cooperative Bank Ltd – RAJARAJESHWARI NAGARA:

• The IFSC is exactly JTSC0000005 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Janatha Seva Cooperative Bank Ltd as the bank name and RAJARAJESHWARI NAGARA 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.

Reaching the branch

The Rajarajeshwari Nagara branch sits at NO117,12TH CROSS,IDEAL HOMES,RAJARAJESHWARI NAGARA,BENGALURU-560098. If you are travelling from outside Bengaluru, search for the branch on a maps application using the bank name and locality, or call 2860462 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 JTSC0000005 and your account number.

Verifying IFSC JTSC0000005 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 JTSC0000005 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2860462.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Rajarajeshwari Nagara 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 JTSC0000005 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JTSC0000005 belongs to Janatha Seva Cooperative Bank Ltd's RAJARAJESHWARI NAGARA branch, located at NO117,12TH CROSS,IDEAL HOMES,RAJARAJESHWARI NAGARA,BENGALURU-560098 in BENGALURU, KARNATAKA. 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.