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

Below are the complete branch details for Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited, KOTHRUD branch, located in PUNE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is KAIJ0000026. 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 KAIJ0000026 for Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – KOTHRUD — 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 – KOTHRUD is KAIJ0000026. The first four letters KAIJ are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000026 map to this branch in PUNE, 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 Kothrud branch in Pune, Maharashtra is part of this network and uses the IFSC code KAIJ0000026 for all electronic settlement.

Kothrud branch overview

Located at 9/88 P AND 85, GURUKRUPA, ALKAPURI SOCIETY, VANAJ CORNER, POUD ROAD, KOTHRUD, PUNE 411029, the Kothrud branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KAIJ0000026 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 KOTHRUD of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited — its own 11-character IFSC. The code KAIJ0000026 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 KAIJ0000026 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 KAIJ0000026

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 KAIJ0000026 across all three.

How to use IFSC KAIJ0000026 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 KOTHRUD 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 KAIJ0000026.
4. Confirm the bank name auto-populates as Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited and the branch as KOTHRUD.
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 KOTHRUD

If you need to transfer ₹2 lakh or more in one go to an account at Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's KOTHRUD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KAIJ0000026 while initiating the transfer and the credit will appear within minutes.

IMPS to Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited KOTHRUD (IFSC KAIJ0000026)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KAIJ0000026 in your mobile or internet banking app, and the money is credited to the KOTHRUD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kothrud

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 KAIJ0000026:

• 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 KOTHRUD is still linked to IFSC KAIJ0000026.

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 KAIJ0000026

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 – KOTHRUD is still mapped to IFSC KAIJ0000026. 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 KAIJ0000026 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kothrud branch is mapped to IFSC KAIJ0000026 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 KAIJ0000026.

Banking services available

The Kothrud branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 20-25386958.

• 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 KAIJ0000026

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 KAIJ0000026 and the account number together uniquely identify the Kothrud branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KAIJ0000026

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 KOTHRUD 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 KAIJ0000026 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 – KOTHRUD:

• The IFSC is exactly KAIJ0000026 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 KOTHRUD 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 Kothrud branch

The branch is located at 9/88 P AND 85, GURUKRUPA, ALKAPURI SOCIETY, VANAJ CORNER, POUD ROAD, KOTHRUD, PUNE 411029, which puts it inside Pune, the broader Pune 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 Kothrud branch” — the verified location pin for IFSC KAIJ0000026 should appear at the top of the results.
2. Confirm the branch is open by calling 20-25386958 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 KAIJ0000026 and your account number.

Verifying IFSC KAIJ0000026 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 KAIJ0000026 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 20-25386958.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kothrud 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 KAIJ0000026 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KAIJ0000026 belongs to Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's KOTHRUD branch, located at 9/88 P AND 85, GURUKRUPA, ALKAPURI SOCIETY, VANAJ CORNER, POUD ROAD, KOTHRUD,… 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.