IFSC Code of The Kalyan Janata Sahakari Bank Ltd, RTGS-HO Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Kalyan Janata Sahakari Bank Ltd, RTGS-HO branch in KALYAN. The 11-digit IFSC KJSB0000001 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 The Kalyan Janata Sahakari Bank Ltd at the RTGS-HO 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Kalyan Janata Sahakari Bank Ltd – RTGS-HO is KJSB0000001. The first four letters KJSB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000001 map to this branch in KALYAN, MAHARASHTRA.

About the bank

The Kalyan Janata Sahakari Bank Ltd serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its RTGS-HO branch in Kalyan, Maharashtra is part of this network and uses the IFSC code KJSB0000001 for all electronic settlement.

About the RTGS-HO branch

The RTGS-HO branch of The Kalyan Janata Sahakari Bank Ltd is situated at JANTA BHAVAN BHARATACHARYA VAIDYA CHOWK KALYAN-W- 421301. 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 KJSB0000001 is used.

Branch details at a glance

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 RTGS-HO of The Kalyan Janata Sahakari Bank Ltd — its own 11-character IFSC. The code KJSB0000001 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 KJSB0000001 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Kalyan Janata Sahakari Bank Ltd carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC KJSB0000001 and the account number together uniquely identify the RTGS-HO branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KJSB0000001

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 KJSB0000001 across all three.

NEFT to The Kalyan Janata Sahakari Bank Ltd, RTGS-HO using IFSC KJSB0000001

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 KJSB0000001, and confirm that the system picks up The Kalyan Janata Sahakari Bank Ltd – RTGS-HO. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RTGS-HO

If you need to transfer ₹2 lakh or more in one go to an account at The Kalyan Janata Sahakari Bank Ltd's RTGS-HO branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KJSB0000001 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Kalyan Janata Sahakari Bank Ltd – RTGS-HO, use IMPS. With IFSC KJSB0000001 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 RTGS-HO

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 KJSB0000001:

• 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 RTGS-HO is still linked to IFSC KJSB0000001.

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 KJSB0000001

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 The Kalyan Janata Sahakari Bank Ltd – RTGS-HO is still mapped to IFSC KJSB0000001. 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 KJSB0000001 and the beneficiary's account number to complete the transfer.

Account types you can open at the RTGS-HO branch

Once you have an account at The Kalyan Janata Sahakari Bank Ltd – RTGS-HO, the IFSC KJSB0000001 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 RTGS-HO branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 251-2219009.

• 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 KJSB0000001

Online banking and IFSC KJSB0000001

The Kalyan Janata Sahakari Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the RTGS-HO 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 KJSB0000001 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.

Reaching the branch

The RTGS-HO branch sits at JANTA BHAVAN BHARATACHARYA VAIDYA CHOWK 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 251-2219009 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 KJSB0000001 and your account number.

Common mistakes to avoid when using IFSC KJSB0000001

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 The Kalyan Janata Sahakari Bank Ltd – RTGS-HO, 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: KJSB0000001.
• 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.

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 RTGS-HO branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KJSB0000001, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KJSB0000001 for The Kalyan Janata Sahakari Bank Ltd – RTGS-HO, 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 address & contact

Frequently asked questions

Summary

The IFSC code KJSB0000001 belongs to The Kalyan Janata Sahakari Bank Ltd's RTGS-HO branch, located at JANTA BHAVAN BHARATACHARYA VAIDYA CHOWK KALYAN-W- 421301 in KALYAN, 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.