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

If you are searching for the IFSC code of The Kalyan Janata Sahakari Bank Ltd, TITWALA branch in KALYAN, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is KJSB0000027. 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 TITWALA branch, and detailed step-by-step guides for using the IFSC KJSB0000027 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.

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 – TITWALA is KJSB0000027. The first four letters KJSB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000027 map to this branch in KALYAN, MAHARASHTRA.

About The Kalyan Janata Sahakari Bank Ltd

The Kalyan Janata Sahakari Bank Ltd operates a wide network of branches across India, including the Titwala 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, KJSB0000027.

Branch details at a glance

About the Titwala branch

The Titwala branch of The Kalyan Janata Sahakari Bank Ltd is situated at BHAGYODAYA BUILDING,PLOT NO4&5,SURVEY NO 31-32,HISSA NO.7,NEAR GANESH MANDIR ROAD,MANDA, TITWALA-EAST. 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 KJSB0000027 is used.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how The Kalyan Janata Sahakari Bank Ltd's TITWALA branch came to be assigned the code KJSB0000027.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC KJSB0000027, money simply cannot be routed to the TITWALA branch electronically.

Products and account variants supported

Every account opened at the Titwala branch is mapped to IFSC KJSB0000027 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 KJSB0000027.

Banking services available

The Titwala branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 251-2381141.

• 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 KJSB0000027

How to transfer money using IFSC KJSB0000027

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 KJSB0000027 across all three.

NEFT to The Kalyan Janata Sahakari Bank Ltd, TITWALA using IFSC KJSB0000027

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 KJSB0000027, and confirm that the system picks up The Kalyan Janata Sahakari Bank Ltd – TITWALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to TITWALA

If you need to transfer ₹2 lakh or more in one go to an account at The Kalyan Janata Sahakari Bank Ltd's TITWALA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KJSB0000027 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 – TITWALA, use IMPS. With IFSC KJSB0000027 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 Titwala

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 KJSB0000027:

• 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 TITWALA is still linked to IFSC KJSB0000027.

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.

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 TITWALA branch, the IFSC KJSB0000027 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.

Online banking and IFSC KJSB0000027

The Kalyan Janata Sahakari Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the TITWALA 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 KJSB0000027 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 Titwala branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KJSB0000027 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 – TITWALA:

• The IFSC is exactly KJSB0000027 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 TITWALA 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 Titwala branch

The branch is located at BHAGYODAYA BUILDING,PLOT NO4&5,SURVEY NO 31-32,HISSA NO.7,NEAR GANESH MANDIR ROAD,MANDA, TITWALA-EAST, which puts it inside Kalyan, the broader Thane district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Kalyan Janata Sahakari Bank Ltd Titwala branch” — the verified location pin for IFSC KJSB0000027 should appear at the top of the results.
2. Confirm the branch is open by calling 251-2381141 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 KJSB0000027 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KJSB0000027 for The Kalyan Janata Sahakari Bank Ltd – TITWALA, 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 Titwala branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KJSB0000027, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KJSB0000027 is the IFSC code of The Kalyan Janata Sahakari Bank Ltd, TITWALA 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.