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

Use this page as a one-stop reference for everything related to Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's LAXMI ROAD branch in PUNE, MAHARASHTRA. The branch's IFSC code KAIJ0000011 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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, KAIJ0000011 is the IFSC of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's LAXMI ROAD branch. The format is fixed: KAIJ = bank code, 0 = reserved, 000011 = branch identifier.

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 Laxmi Road branch in Pune, Maharashtra is part of this network and uses the IFSC code KAIJ0000011 for all electronic settlement.

Branch details at a glance

Laxmi Road branch overview

Located at DIGMANOR CHAMBERS, 1ST FLOOR, LAXMI AND BAJIRAO ROAD CORNER, NEAR VISHRAMBHAG WADA PUNE 411030, the Laxmi Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KAIJ0000011 is required for all interbank electronic transfers routed through this branch.

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 LAXMI ROAD branch came to be assigned the code KAIJ0000011.

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 KAIJ0000011, money simply cannot be routed to the LAXMI ROAD branch electronically.

Account types you can open at the Laxmi Road branch

Once you have an account at Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – LAXMI ROAD, the IFSC KAIJ0000011 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.

Banking services available

The Laxmi Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 20-24457874.

• 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 KAIJ0000011

How to transfer money using IFSC KAIJ0000011

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 KAIJ0000011 across all three.

NEFT to Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited, LAXMI ROAD using IFSC KAIJ0000011

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 KAIJ0000011, and confirm that the system picks up Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – LAXMI ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KAIJ0000011

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 – LAXMI ROAD, ensure your bank's portal accepts IFSC KAIJ0000011 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 – LAXMI ROAD, use IMPS. With IFSC KAIJ0000011 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 Laxmi Road

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 KAIJ0000011:

• 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 LAXMI ROAD is still linked to IFSC KAIJ0000011.

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 KAIJ0000011

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 – LAXMI ROAD is still mapped to IFSC KAIJ0000011. 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 KAIJ0000011 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Laxmi Road 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 KAIJ0000011 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.

MICR & cheque-truncation details

Cheques drawn on the Laxmi Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KAIJ0000011 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – LAXMI ROAD:

• The IFSC is exactly KAIJ0000011 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 LAXMI ROAD 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 Laxmi Road branch sits at DIGMANOR CHAMBERS, 1ST FLOOR, LAXMI AND BAJIRAO ROAD CORNER, NEAR VISHRAMBHAG WADA PUNE 411030. If you are travelling from outside Pune, search for the branch on a maps application using the bank name and locality, or call 20-24457874 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 KAIJ0000011 and your account number.

Verifying IFSC KAIJ0000011 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 KAIJ0000011 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 20-24457874.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Laxmi Road 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 KAIJ0000011 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KAIJ0000011 belongs to Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's LAXMI ROAD branch, located at DIGMANOR CHAMBERS, 1ST FLOOR, LAXMI AND BAJIRAO ROAD CORNER, NEAR VISHRAMBHAG… 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.