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

Use this page as a one-stop reference for everything related to Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's RUKADI branch in RUKADI, MAHARASHTRA. The branch's IFSC code KAIJ0000050 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, KAIJ0000050 is the IFSC of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's RUKADI branch. The format is fixed: KAIJ = bank code, 0 = reserved, 000050 = branch identifier.

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 Rukadi branch in Rukadi, Maharashtra is part of this network and uses the IFSC code KAIJ0000050 for all electronic settlement.

About this branch

The branch is located at CS. NO 356,359,360 & 361, POST - RUKADI, TAL - HATKANAGALE, DIST - KOLHAPUR 416118. It serves the Rukadi region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited. The IFSC KAIJ0000050 is used to identify this branch on the RBI payments network.

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 RUKADI of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited — its own 11-character IFSC. The code KAIJ0000050 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 KAIJ0000050 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 KAIJ0000050

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 KAIJ0000050 across all three.

How to use IFSC KAIJ0000050 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 RUKADI 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 KAIJ0000050.
4. Confirm the bank name auto-populates as Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited and the branch as RUKADI.
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 KAIJ0000050

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 – RUKADI, ensure your bank's portal accepts IFSC KAIJ0000050 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 – RUKADI, use IMPS. With IFSC KAIJ0000050 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 Rukadi

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 KAIJ0000050:

• 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 RUKADI is still linked to IFSC KAIJ0000050.

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 KAIJ0000050

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 – RUKADI is still mapped to IFSC KAIJ0000050. 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 KAIJ0000050 and the beneficiary's account number to complete the transfer.

Account types you can open at the Rukadi branch

Once you have an account at Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – RUKADI, the IFSC KAIJ0000050 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 Rukadi 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 KAIJ0000050

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 KAIJ0000050 and the account number together uniquely identify the Rukadi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KAIJ0000050

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 RUKADI 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 KAIJ0000050 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 – RUKADI:

• The IFSC is exactly KAIJ0000050 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 RUKADI 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 Rukadi branch

The branch is located at CS. NO 356,359,360 & 361, POST - RUKADI, TAL - HATKANAGALE, DIST - KOLHAPUR 416118, which puts it inside Rukadi, 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 Rukadi branch” — the verified location pin for IFSC KAIJ0000050 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9921455514 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 KAIJ0000050 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KAIJ0000050 for Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – RUKADI, 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 Rukadi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KAIJ0000050, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KAIJ0000050 is the IFSC code of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited, RUKADI branch, in RUKADI, 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.