IFSC Code of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited, Gultekadi, Market Yard Branch, Maharashtra

If you are searching for the IFSC code of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited, GULTEKADI, MARKET YARD branch in PUNE, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is KAIJ0000023. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the GULTEKADI, MARKET YARD branch, and detailed step-by-step guides for using the IFSC KAIJ0000023 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 GULTEKADI, MARKET YARD branch, the IFSC KAIJ0000023 breaks down as follows: KAIJ identifies the bank, 0 is the reserved character, and 000023 identifies this particular branch.

Branch details at a glance

About Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited

Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited operates a wide network of branches across India, including the Gultekadi, Market Yard branch in Pune. 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, KAIJ0000023.

About the Gultekadi, Market Yard branch

The Gultekadi, Market Yard branch of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited is situated at OPP AGRICULTURE MARKETING COMMITTEE, CHATRAPATI SHIVAJI MARKET YARD, GULTEKADI, PUNE 411037. 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 KAIJ0000023 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 GULTEKADI, MARKET YARD branch came to be assigned the code KAIJ0000023.

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 KAIJ0000023, money simply cannot be routed to the GULTEKADI, MARKET YARD branch electronically.

How to transfer money using IFSC KAIJ0000023

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 KAIJ0000023 across all three.

NEFT to Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited, GULTEKADI, MARKET YARD using IFSC KAIJ0000023

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 KAIJ0000023, and confirm that the system picks up Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – GULTEKADI, MARKET YARD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GULTEKADI, MARKET YARD

If you need to transfer ₹2 lakh or more in one go to an account at Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's GULTEKADI, MARKET YARD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KAIJ0000023 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – GULTEKADI, MARKET YARD, use IMPS. With IFSC KAIJ0000023 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 Gultekadi, Market Yard

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 KAIJ0000023:

• 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 GULTEKADI, MARKET YARD is still linked to IFSC KAIJ0000023.

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 KAIJ0000023

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 Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – GULTEKADI, MARKET YARD is still mapped to IFSC KAIJ0000023. 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 KAIJ0000023 and the beneficiary's account number to complete the transfer.

Account types you can open at the Gultekadi, Market Yard branch

Once you have an account at Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – GULTEKADI, MARKET YARD, the IFSC KAIJ0000023 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 Gultekadi, Market Yard 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 KAIJ0000023

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC KAIJ0000023 and the account number together uniquely identify the Gultekadi, Market Yard branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KAIJ0000023

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 GULTEKADI, MARKET YARD 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 KAIJ0000023 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.

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 – GULTEKADI, MARKET YARD:

• The IFSC is exactly KAIJ0000023 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 GULTEKADI, MARKET YARD 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 Gultekadi, Market Yard branch sits at OPP AGRICULTURE MARKETING COMMITTEE, CHATRAPATI SHIVAJI MARKET YARD, GULTEKADI, PUNE 411037. If you are travelling from outside Pune, search for the branch on a maps application using the bank name and locality, or call 20-24271598 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 KAIJ0000023 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KAIJ0000023 for Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – GULTEKADI, MARKET YARD, 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 Gultekadi, Market Yard branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KAIJ0000023, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KAIJ0000023 belongs to Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's GULTEKADI, MARKET YARD branch, located at OPP AGRICULTURE MARKETING COMMITTEE, CHATRAPATI SHIVAJI MARKET YARD,… in PUNE, 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.