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

If you are searching for the IFSC code of The Kalyan Janata Sahakari Bank Ltd, CHINCHWAD branch in PUNE, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is KJSB0000208. 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 CHINCHWAD branch, and detailed step-by-step guides for using the IFSC KJSB0000208 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.

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 CHINCHWAD branch, the IFSC KJSB0000208 breaks down as follows: KJSB identifies the bank, 0 is the reserved character, and 000208 identifies this particular branch.

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 Chinchwad branch — IFSC KJSB0000208 — extends the bank's services to customers in and around Pune, Maharashtra.

About the Chinchwad branch

The Chinchwad branch of The Kalyan Janata Sahakari Bank Ltd is situated at SUNDAR MOTI, SHOP NO. 1 TO 5, SHANTIVAN SOCIETY,NEAR CHAFEKAR CHOWK, CHINCHWAD, PUNE-411 033. 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 KJSB0000208 is used.

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 CHINCHWAD of The Kalyan Janata Sahakari Bank Ltd — its own 11-character IFSC. The code KJSB0000208 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 KJSB0000208 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC KJSB0000208

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 KJSB0000208 across all three.

NEFT to The Kalyan Janata Sahakari Bank Ltd, CHINCHWAD using IFSC KJSB0000208

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 KJSB0000208, and confirm that the system picks up The Kalyan Janata Sahakari Bank Ltd – CHINCHWAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KJSB0000208

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 – CHINCHWAD, ensure your bank's portal accepts IFSC KJSB0000208 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Kalyan Janata Sahakari Bank Ltd – CHINCHWAD, use IMPS. With IFSC KJSB0000208 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC KJSB0000208 for The Kalyan Janata Sahakari Bank Ltd – CHINCHWAD, 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 Chinchwad 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 CHINCHWAD branch, the IFSC KJSB0000208 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.

Products and account variants supported

Every account opened at the Chinchwad branch is mapped to IFSC KJSB0000208 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 KJSB0000208.

Banking services available

The Chinchwad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 20-32602513.

• 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 KJSB0000208

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 KJSB0000208 and the account number together uniquely identify the Chinchwad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KJSB0000208

The Kalyan Janata Sahakari Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the CHINCHWAD 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 KJSB0000208 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.

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 – CHINCHWAD:

• The IFSC is exactly KJSB0000208 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 CHINCHWAD 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 Chinchwad branch

The branch is located at SUNDAR MOTI, SHOP NO. 1 TO 5, SHANTIVAN SOCIETY,NEAR CHAFEKAR CHOWK, CHINCHWAD, PUNE-411 033, which puts it inside Pune, the broader Pune 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 Chinchwad branch” — the verified location pin for IFSC KJSB0000208 should appear at the top of the results.
2. Confirm the branch is open by calling 20-32602513 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 KJSB0000208 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KJSB0000208 for The Kalyan Janata Sahakari Bank Ltd – CHINCHWAD, 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 Chinchwad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KJSB0000208, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KJSB0000208 is the IFSC code of The Kalyan Janata Sahakari Bank Ltd, CHINCHWAD branch, in PUNE, 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.