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

If you are searching for the IFSC code of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited, PALUS branch in SANGLI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is KAIJ0000047. 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 PALUS branch, and detailed step-by-step guides for using the IFSC KAIJ0000047 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.

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, KAIJ0000047 is the IFSC of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's PALUS branch. The format is fixed: KAIJ = bank code, 0 = reserved, 000047 = branch identifier.

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 Palus branch — IFSC KAIJ0000047 — extends the bank's services to customers in and around Sangli, Maharashtra.

Branch details at a glance

About the Palus branch

The Palus branch of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited is situated at GAT NO 425, TASGAON-KARAD ROAD, A/P-PALUS, TAL-PALUS, DIST-SANGLI, MAHARASHTRA-416310. 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 KAIJ0000047 is used.

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 PALUS of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited — its own 11-character IFSC. The code KAIJ0000047 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 KAIJ0000047 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Palus branch

Once you have an account at Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – PALUS, the IFSC KAIJ0000047 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 Palus branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.

• 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 KAIJ0000047

How to transfer money using IFSC KAIJ0000047

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 KAIJ0000047 across all three.

How to use IFSC KAIJ0000047 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 PALUS 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 KAIJ0000047.
4. Confirm the bank name auto-populates as Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited and the branch as PALUS.
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 PALUS

If you need to transfer ₹2 lakh or more in one go to an account at Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's PALUS branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KAIJ0000047 while initiating the transfer and the credit will appear within minutes.

IMPS to Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited PALUS (IFSC KAIJ0000047)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KAIJ0000047 in your mobile or internet banking app, and the money is credited to the PALUS branch account within seconds.

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

All three modes accept the IFSC KAIJ0000047 for Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – PALUS, 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 Palus 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.

UPI payments and IFSC KAIJ0000047

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 – PALUS is still mapped to IFSC KAIJ0000047. 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 KAIJ0000047 and the beneficiary's account number to complete the transfer.

Online banking and IFSC KAIJ0000047

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 PALUS 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 KAIJ0000047 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.

MICR & cheque-truncation details

Cheques drawn on the Palus branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KAIJ0000047 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC KAIJ0000047

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 – PALUS, 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: KAIJ0000047.
• 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.

Reaching the branch

The Palus branch sits at GAT NO 425, TASGAON-KARAD ROAD, A/P-PALUS, TAL-PALUS, DIST-SANGLI, MAHARASHTRA-416310. If you are travelling from outside Sangli, search for the branch on a maps application using the bank name and locality, or call 0 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 KAIJ0000047 and your account number.

Verifying IFSC KAIJ0000047 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 KAIJ0000047 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• Visiting the bank's official branch locator page.

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 Palus branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KAIJ0000047, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KAIJ0000047 belongs to Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited's PALUS branch, located at GAT NO 425, TASGAON-KARAD ROAD, A/P-PALUS, TAL-PALUS, DIST-SANGLI,… in SANGLI, 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.