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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Kalyan Janata Sahakari Bank Ltd, KHARGHAR branch in NAVI-MUMBAI. The 11-digit IFSC KJSB0000018 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 KHARGHAR 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 – KHARGHAR is KJSB0000018. The first four letters KJSB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000018 map to this branch in NAVI-MUMBAI, MAHARASHTRA.

About The Kalyan Janata Sahakari Bank Ltd

The Kalyan Janata Sahakari Bank Ltd operates a wide network of branches across India, including the Kharghar branch in Navi-Mumbai. 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, KJSB0000018.

Kharghar branch overview

Located at SHOP NO.1, A- WING, NEELAM HEIGHTS, PLOT NO. 139, SECTOR- 13, KHARGHAR,NEW MUMBAI-410210, the Kharghar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KJSB0000018 is required for all interbank electronic transfers routed through this branch.

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 KHARGHAR of The Kalyan Janata Sahakari Bank Ltd — its own 11-character IFSC. The code KJSB0000018 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 KJSB0000018 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Kharghar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KJSB0000018 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC KJSB0000018

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 KJSB0000018 across all three.

NEFT to The Kalyan Janata Sahakari Bank Ltd, KHARGHAR using IFSC KJSB0000018

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 KJSB0000018, and confirm that the system picks up The Kalyan Janata Sahakari Bank Ltd – KHARGHAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KHARGHAR

If you need to transfer ₹2 lakh or more in one go to an account at The Kalyan Janata Sahakari Bank Ltd's KHARGHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KJSB0000018 while initiating the transfer and the credit will appear within minutes.

IMPS to The Kalyan Janata Sahakari Bank Ltd KHARGHAR (IFSC KJSB0000018)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KJSB0000018 in your mobile or internet banking app, and the money is credited to the KHARGHAR branch account within seconds.

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

All three modes accept the IFSC KJSB0000018 for The Kalyan Janata Sahakari Bank Ltd – KHARGHAR, 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 Kharghar 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.

UPI payments and IFSC KJSB0000018

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 – KHARGHAR is still mapped to IFSC KJSB0000018. 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 KJSB0000018 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kharghar branch is mapped to IFSC KJSB0000018 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 KJSB0000018.

Banking services available

The Kharghar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-27746915.

• 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 KJSB0000018

Online banking and IFSC KJSB0000018

The Kalyan Janata Sahakari Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the KHARGHAR 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 KJSB0000018 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.

How to reach the Kharghar branch

The branch is located at SHOP NO.1, A- WING, NEELAM HEIGHTS, PLOT NO. 139, SECTOR- 13, KHARGHAR,NEW MUMBAI-410210, which puts it inside Navi-Mumbai, the broader Navimumbai 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 Kharghar branch” — the verified location pin for IFSC KJSB0000018 should appear at the top of the results.
2. Confirm the branch is open by calling 22-27746915 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 KJSB0000018 and your account number.

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 – KHARGHAR:

• The IFSC is exactly KJSB0000018 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 KHARGHAR 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.

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 Kharghar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KJSB0000018, however, work 24x7.

Verifying IFSC KJSB0000018 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 KJSB0000018 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-27746915.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KJSB0000018 belongs to The Kalyan Janata Sahakari Bank Ltd's KHARGHAR branch, located at SHOP NO.1, A- WING, NEELAM HEIGHTS, PLOT NO. 139, SECTOR- 13, KHARGHAR,NEW… in NAVI-MUMBAI, 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.