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

Below are the complete branch details for Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited, INDUSTRIAL ESTATE branch, located in ICHALKARANJI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is KAIJ0000009. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case KAIJ0000009 for Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – INDUSTRIAL ESTATE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – INDUSTRIAL ESTATE is KAIJ0000009. The first four letters KAIJ are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000009 map to this branch in ICHALKARANJI, MAHARASHTRA.

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 Industrial Estate branch in Ichalkaranji, Maharashtra is part of this network and uses the IFSC code KAIJ0000009 for all electronic settlement.

About the Industrial Estate branch

The Industrial Estate branch of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited is situated at WARD NO 1, H NO 291, BLOCK NO 75, NEAR SHAHU PUTALA, IND ESTATE, ICHALKARANJI 416115. 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 KAIJ0000009 is used.

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 Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's INDUSTRIAL ESTATE branch came to be assigned the code KAIJ0000009.

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 KAIJ0000009, money simply cannot be routed to the INDUSTRIAL ESTATE branch electronically.

How to transfer money using IFSC KAIJ0000009

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 KAIJ0000009 across all three.

How to use IFSC KAIJ0000009 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's INDUSTRIAL ESTATE 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 KAIJ0000009.
4. Confirm the bank name auto-populates as Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited and the branch as INDUSTRIAL ESTATE.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KAIJ0000009

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 Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – INDUSTRIAL ESTATE, ensure your bank's portal accepts IFSC KAIJ0000009 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – INDUSTRIAL ESTATE, use IMPS. With IFSC KAIJ0000009 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 Industrial Estate

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 KAIJ0000009:

• 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 INDUSTRIAL ESTATE is still linked to IFSC KAIJ0000009.

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 INDUSTRIAL ESTATE branch, the IFSC KAIJ0000009 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 Industrial Estate branch is mapped to IFSC KAIJ0000009 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 KAIJ0000009.

Products and services

Customers walking into the Industrial Estate branch can access most of Kallappanna Awade Ichalkaranji Janata Sahakari Bank 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 KAIJ0000009

MICR & cheque-truncation details

Cheques drawn on the Industrial Estate branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KAIJ0000009 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Industrial Estate 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 KAIJ0000009 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.

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 Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – INDUSTRIAL ESTATE:

• The IFSC is exactly KAIJ0000009 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited as the bank name and INDUSTRIAL ESTATE 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 Industrial Estate branch

The branch is located at WARD NO 1, H NO 291, BLOCK NO 75, NEAR SHAHU PUTALA, IND ESTATE, ICHALKARANJI 416115, which puts it inside Ichalkaranji, 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 Industrial Estate branch” — the verified location pin for IFSC KAIJ0000009 should appear at the top of the results.
2. Confirm the branch is open by calling 230-2436150 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 KAIJ0000009 and your account number.

Verifying IFSC KAIJ0000009 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 KAIJ0000009 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 230-2436150.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Industrial Estate 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 KAIJ0000009 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KAIJ0000009 belongs to Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's INDUSTRIAL ESTATE branch, located at WARD NO 1, H NO 291, BLOCK NO 75, NEAR SHAHU PUTALA, IND ESTATE, ICHALKARANJI… in ICHALKARANJI, 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.