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

Use this page as a one-stop reference for everything related to The Kalyan Janata Sahakari Bank Ltd's MURBAD branch in MURBAD, MAHARASHTRA. The branch's IFSC code KJSB0000202 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.

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, KJSB0000202 is the IFSC of The Kalyan Janata Sahakari Bank Ltd's MURBAD branch. The format is fixed: KJSB = bank code, 0 = reserved, 000202 = branch identifier.

Branch details at a glance

Bank profile

The Kalyan Janata Sahakari Bank Ltd is among the recognised banks listed on the Reserve Bank of India's payments network. The Murbad branch — IFSC KJSB0000202 — extends the bank's services to customers in and around Murbad, Maharashtra.

Murbad branch overview

Located at VIVEK APRT, JOGESHWARI ALI, MURBAD, DIST. THANE, the Murbad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KJSB0000202 is required for all interbank electronic transfers routed through this branch.

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 MURBAD branch came to be assigned the code KJSB0000202.

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 KJSB0000202, money simply cannot be routed to the MURBAD branch electronically.

How to transfer money using IFSC KJSB0000202

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 KJSB0000202 across all three.

NEFT to The Kalyan Janata Sahakari Bank Ltd, MURBAD using IFSC KJSB0000202

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 KJSB0000202, and confirm that the system picks up The Kalyan Janata Sahakari Bank Ltd – MURBAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KJSB0000202

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 The Kalyan Janata Sahakari Bank Ltd – MURBAD, ensure your bank's portal accepts IFSC KJSB0000202 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Kalyan Janata Sahakari Bank Ltd MURBAD (IFSC KJSB0000202)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KJSB0000202 in your mobile or internet banking app, and the money is credited to the MURBAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Murbad

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 KJSB0000202:

• 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 MURBAD is still linked to IFSC KJSB0000202.

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 KJSB0000202

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 – MURBAD is still mapped to IFSC KJSB0000202. 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 KJSB0000202 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Murbad branch is mapped to IFSC KJSB0000202 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 KJSB0000202.

Products and services

Customers walking into the Murbad branch can access most of The Kalyan Janata Sahakari Bank Ltd's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC KJSB0000202

MICR & cheque-truncation details

Cheques drawn on the Murbad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KJSB0000202 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC KJSB0000202

The Kalyan Janata Sahakari Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the MURBAD 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 KJSB0000202 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.

Common mistakes to avoid when using IFSC KJSB0000202

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 – MURBAD, 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: KJSB0000202.
• 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.

How to reach the Murbad branch

The branch is located at VIVEK APRT, JOGESHWARI ALI, MURBAD, DIST. THANE, which puts it inside Murbad, 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 Murbad branch” — the verified location pin for IFSC KJSB0000202 should appear at the top of the results.
2. Confirm the branch is open by calling 2524-222171 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 KJSB0000202 and your account number.

Verifying IFSC KJSB0000202 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 KJSB0000202 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2524-222171.
• 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 Murbad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KJSB0000202, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KJSB0000202 belongs to The Kalyan Janata Sahakari Bank Ltd's MURBAD branch, located at VIVEK APRT, JOGESHWARI ALI, MURBAD, DIST. THANE in MURBAD, 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.