IFSC Code of The Kalyan Janata Sahakari Bank Ltd, Kalatalav Branch, Maharashtra

Use this page as a one-stop reference for everything related to The Kalyan Janata Sahakari Bank Ltd's KALATALAV branch in KALYAN, MAHARASHTRA. The branch's IFSC code KJSB0000005 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.

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 The Kalyan Janata Sahakari Bank Ltd's KALATALAV branch, the IFSC KJSB0000005 breaks down as follows: KJSB identifies the bank, 0 is the reserved character, and 000005 identifies this particular branch.

About The Kalyan Janata Sahakari Bank Ltd

The Kalyan Janata Sahakari Bank Ltd operates a wide network of branches across India, including the Kalatalav branch in Kalyan. 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, KJSB0000005.

Branch details at a glance

About this branch

The branch is located at SAHAJANAND CHOWK AGRA RD KALATALAV KALYAN-W-421301. It serves the Kalyan region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Kalyan Janata Sahakari Bank Ltd. The IFSC KJSB0000005 is used to identify this branch on the RBI payments network.

Why every The Kalyan Janata Sahakari Bank Ltd 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 KALATALAV of The Kalyan Janata Sahakari Bank Ltd — its own 11-character IFSC. The code KJSB0000005 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 KJSB0000005 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Kalatalav branch is mapped to IFSC KJSB0000005 on the RBI payments network. The branch generally supports the full retail product catalogue of The Kalyan Janata Sahakari Bank Ltd, 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 KJSB0000005.

Banking services available

The Kalatalav branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 251-2211130.

• 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 KJSB0000005

How to transfer money using IFSC KJSB0000005

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 KJSB0000005 across all three.

NEFT to The Kalyan Janata Sahakari Bank Ltd, KALATALAV using IFSC KJSB0000005

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 KJSB0000005, and confirm that the system picks up The Kalyan Janata Sahakari Bank Ltd – KALATALAV. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KALATALAV

If you need to transfer ₹2 lakh or more in one go to an account at The Kalyan Janata Sahakari Bank Ltd's KALATALAV branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KJSB0000005 while initiating the transfer and the credit will appear within minutes.

IMPS to The Kalyan Janata Sahakari Bank Ltd KALATALAV (IFSC KJSB0000005)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KJSB0000005 in your mobile or internet banking app, and the money is credited to the KALATALAV branch account within seconds.

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

All three modes accept the IFSC KJSB0000005 for The Kalyan Janata Sahakari Bank Ltd – KALATALAV, 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 Kalatalav 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at The Kalyan Janata Sahakari Bank Ltd's KALATALAV branch, the IFSC KJSB0000005 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Digital banking channels

Most day-to-day work that customers used to do at the Kalatalav 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 KJSB0000005 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 Kalatalav branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KJSB0000005 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 The Kalyan Janata Sahakari Bank Ltd – KALATALAV:

• The IFSC is exactly KJSB0000005 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Kalyan Janata Sahakari Bank Ltd as the bank name and KALATALAV 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 Kalatalav branch sits at SAHAJANAND CHOWK AGRA RD KALATALAV KALYAN-W-421301. If you are travelling from outside Kalyan, search for the branch on a maps application using the bank name and locality, or call 251-2211130 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 KJSB0000005 and your account number.

Verifying IFSC KJSB0000005 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 KJSB0000005 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 251-2211130.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kalatalav 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 KJSB0000005 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KJSB0000005 is the IFSC code of The Kalyan Janata Sahakari Bank Ltd, KALATALAV branch, in KALYAN, 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.