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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited, SULKUD branch in SULKUD. The 11-digit IFSC KAIJ0000018 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited at the SULKUD location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 SULKUD branch, the IFSC KAIJ0000018 breaks down as follows: KAIJ identifies the bank, 0 is the reserved character, and 000018 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 Sulkud branch in Sulkud. 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, KAIJ0000018.

About the Sulkud branch

The Sulkud branch of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited is situated at C/O DR MALGONDA PATIL, MAIN ROAD, SULKUD 416216. 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 KAIJ0000018 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 SULKUD of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited — its own 11-character IFSC. The code KAIJ0000018 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 KAIJ0000018 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 KAIJ0000018

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 KAIJ0000018 across all three.

How to use IFSC KAIJ0000018 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 SULKUD 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 KAIJ0000018.
4. Confirm the bank name auto-populates as Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited and the branch as SULKUD.
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 KAIJ0000018

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 – SULKUD, ensure your bank's portal accepts IFSC KAIJ0000018 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited SULKUD (IFSC KAIJ0000018)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KAIJ0000018 in your mobile or internet banking app, and the money is credited to the SULKUD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sulkud

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 KAIJ0000018:

• 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 SULKUD is still linked to IFSC KAIJ0000018.

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 KAIJ0000018

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 – SULKUD is still mapped to IFSC KAIJ0000018. 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 KAIJ0000018 and the beneficiary's account number to complete the transfer.

Account types you can open at the Sulkud branch

Once you have an account at Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – SULKUD, the IFSC KAIJ0000018 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 Sulkud branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2325-231022.

• 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 KAIJ0000018

MICR & cheque-truncation details

Cheques drawn on the Sulkud branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KAIJ0000018 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC KAIJ0000018

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 SULKUD 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 KAIJ0000018 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 – SULKUD:

• The IFSC is exactly KAIJ0000018 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 SULKUD 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 Sulkud branch

The branch is located at C/O DR MALGONDA PATIL, MAIN ROAD, SULKUD 416216, which puts it inside Sulkud, 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 Sulkud branch” — the verified location pin for IFSC KAIJ0000018 should appear at the top of the results.
2. Confirm the branch is open by calling 2325-231022 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 KAIJ0000018 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KAIJ0000018 for Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited – SULKUD, 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 Sulkud branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KAIJ0000018, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KAIJ0000018 is the IFSC code of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited, SULKUD branch, in SULKUD, 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.