IFSC Code of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited, Gadhinglaj Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited, GADHINGLAJ branch in GADHINGLAJ. The 11-digit IFSC KAIJ0000014 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 Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited at the GADHINGLAJ 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, KAIJ0000014 is the IFSC of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's GADHINGLAJ branch. The format is fixed: KAIJ = bank code, 0 = reserved, 000014 = branch identifier.

Branch details at a glance

About the bank

Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Gadhinglaj branch in Gadhinglaj, Maharashtra is part of this network and uses the IFSC code KAIJ0000014 for all electronic settlement.

Gadhinglaj branch overview

Located at C S NO 2286,2287,2288 GADHINGLAJ KADGAON ROAD GADHINGLAJ 416502, the Gadhinglaj branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KAIJ0000014 is required for all interbank electronic transfers routed through this branch.

Why every Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited 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 GADHINGLAJ of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited — its own 11-character IFSC. The code KAIJ0000014 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 KAIJ0000014 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC KAIJ0000014

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 KAIJ0000014 across all three.

NEFT to Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited, GADHINGLAJ using IFSC KAIJ0000014

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 KAIJ0000014, and confirm that the system picks up Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – GADHINGLAJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GADHINGLAJ

If you need to transfer ₹2 lakh or more in one go to an account at Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's GADHINGLAJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KAIJ0000014 while initiating the transfer and the credit will appear within minutes.

IMPS to Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited GADHINGLAJ (IFSC KAIJ0000014)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KAIJ0000014 in your mobile or internet banking app, and the money is credited to the GADHINGLAJ branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Gadhinglaj

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 KAIJ0000014:

• 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 GADHINGLAJ is still linked to IFSC KAIJ0000014.

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.

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 Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's GADHINGLAJ branch, the IFSC KAIJ0000014 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 Gadhinglaj branch is mapped to IFSC KAIJ0000014 on the RBI payments network. The branch generally supports the full retail product catalogue of Kallappanna Awade Ichalkaranji Janata 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 KAIJ0000014.

Banking services available

The Gadhinglaj branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2327-223045.

• 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 KAIJ0000014

MICR & cheque-truncation details

Cheques drawn on the Gadhinglaj branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KAIJ0000014 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC KAIJ0000014

Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GADHINGLAJ 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 KAIJ0000014 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.

Common mistakes to avoid when using IFSC KAIJ0000014

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 Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – GADHINGLAJ, 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: KAIJ0000014.
• 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.

How to reach the Gadhinglaj branch

The branch is located at C S NO 2286,2287,2288 GADHINGLAJ KADGAON ROAD GADHINGLAJ 416502, which puts it inside Gadhinglaj, the broader Kolhapur district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited Gadhinglaj branch” — the verified location pin for IFSC KAIJ0000014 should appear at the top of the results.
2. Confirm the branch is open by calling 2327-223045 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 KAIJ0000014 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KAIJ0000014 for Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – GADHINGLAJ, 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 Gadhinglaj branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KAIJ0000014, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KAIJ0000014 belongs to Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's GADHINGLAJ branch, located at C S NO 2286,2287,2288 GADHINGLAJ KADGAON ROAD GADHINGLAJ 416502 in GADHINGLAJ, 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.