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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited, BHENDE GALLI branch in KOLHAPUR. The 11-digit IFSC KAIJ0000002 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 BHENDE GALLI 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 Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's BHENDE GALLI branch, the IFSC KAIJ0000002 breaks down as follows: KAIJ identifies the bank, 0 is the reserved character, and 000002 identifies this particular branch.

Bank profile

Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhende Galli branch — IFSC KAIJ0000002 — extends the bank's services to customers in and around Kolhapur, Maharashtra.

Bhende Galli branch overview

Located at 227,C WARD, BHENDE GALLI, KOLHAPUR 416002, the Bhende Galli branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KAIJ0000002 is required for all interbank electronic transfers routed through this branch.

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 Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's BHENDE GALLI branch came to be assigned the code KAIJ0000002.

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 KAIJ0000002, money simply cannot be routed to the BHENDE GALLI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Bhende Galli branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KAIJ0000002 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC KAIJ0000002

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 KAIJ0000002 across all three.

How to use IFSC KAIJ0000002 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 BHENDE GALLI 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 KAIJ0000002.
4. Confirm the bank name auto-populates as Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited and the branch as BHENDE GALLI.
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 KAIJ0000002

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 – BHENDE GALLI, ensure your bank's portal accepts IFSC KAIJ0000002 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 – BHENDE GALLI, use IMPS. With IFSC KAIJ0000002 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC KAIJ0000002 for Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – BHENDE GALLI, 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 Bhende Galli 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 Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's BHENDE GALLI branch, the IFSC KAIJ0000002 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.

Account types you can open at the Bhende Galli branch

Once you have an account at Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – BHENDE GALLI, the IFSC KAIJ0000002 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 Bhende Galli 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 KAIJ0000002

Digital banking channels

Most day-to-day work that customers used to do at the Bhende Galli 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 KAIJ0000002 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.

Reaching the branch

The Bhende Galli branch sits at 227,C WARD, BHENDE GALLI, KOLHAPUR 416002. If you are travelling from outside Kolhapur, search for the branch on a maps application using the bank name and locality, or call 231-2541668 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 KAIJ0000002 and your account number.

Common mistakes to avoid when using IFSC KAIJ0000002

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 – BHENDE GALLI, 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: KAIJ0000002.
• 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 Bhende Galli 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 KAIJ0000002 continue to work without interruption.

Verifying IFSC KAIJ0000002 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 KAIJ0000002 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 231-2541668.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: KAIJ0000002 is the IFSC code of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited, BHENDE GALLI branch, in KOLHAPUR, MAHARASHTRA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.