IFSC Code of The Kalyan Janata Sahakari Bank Ltd, Surat Branch, Gujarat

If you are searching for the IFSC code of The Kalyan Janata Sahakari Bank Ltd, SURAT branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is KJSB0000219. 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 SURAT branch, and detailed step-by-step guides for using the IFSC KJSB0000219 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 SURAT branch, the IFSC KJSB0000219 breaks down as follows: KJSB identifies the bank, 0 is the reserved character, and 000219 identifies this particular branch.

Bank profile

The Kalyan Janata Sahakari Bank Ltd is among the recognised banks listed on the Reserve Bank of India's payments network. The Surat branch — IFSC KJSB0000219 — extends the bank's services to customers in and around Surat, Gujarat.

Branch details at a glance

About the Surat branch

The Surat branch of The Kalyan Janata Sahakari Bank Ltd is situated at SHOP NO.G-15,16G17G18,TIMES GALARIA,BLOCK NO.272/A,REVENUE SURVEY NO.300/1B,KUMBHARIA,SAROLI,SURAT,GUJARAT-395010. 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 KJSB0000219 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 SURAT of The Kalyan Janata Sahakari Bank Ltd — its own 11-character IFSC. The code KJSB0000219 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 KJSB0000219 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Surat branch is mapped to IFSC KJSB0000219 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 KJSB0000219.

Products and services

Customers walking into the Surat 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 KJSB0000219

How to transfer money using IFSC KJSB0000219

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 KJSB0000219 across all three.

How to use IFSC KJSB0000219 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Kalyan Janata Sahakari Bank Ltd's SURAT branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC KJSB0000219.
4. Confirm the bank name auto-populates as The Kalyan Janata Sahakari Bank Ltd and the branch as SURAT.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to SURAT

If you need to transfer ₹2 lakh or more in one go to an account at The Kalyan Janata Sahakari Bank Ltd's SURAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KJSB0000219 while initiating the transfer and the credit will appear within minutes.

IMPS to The Kalyan Janata Sahakari Bank Ltd SURAT (IFSC KJSB0000219)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KJSB0000219 in your mobile or internet banking app, and the money is credited to the SURAT branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Surat

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 KJSB0000219:

• 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 SURAT is still linked to IFSC KJSB0000219.

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 SURAT branch, the IFSC KJSB0000219 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 KJSB0000219

The Kalyan Janata Sahakari Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the SURAT 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 KJSB0000219 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 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 KJSB0000219 and the account number together uniquely identify the Surat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC KJSB0000219

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 – SURAT, 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: KJSB0000219.
• 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 Surat branch

The branch is located at SHOP NO.G-15,16G17G18,TIMES GALARIA,BLOCK NO.272/A,REVENUE SURVEY NO.300/1B,KUMBHARIA,SAROLI,SURAT,GUJARAT-395010, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “The Kalyan Janata Sahakari Bank Ltd Surat branch” — the verified location pin for IFSC KJSB0000219 should appear at the top of the results.
2. Confirm the branch is open by calling 261-2995251 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 KJSB0000219 and your account number.

Verifying IFSC KJSB0000219 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 KJSB0000219 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-2995251.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Surat are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to KJSB0000219 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KJSB0000219 belongs to The Kalyan Janata Sahakari Bank Ltd's SURAT branch, located at SHOP NO.G-15,16G17G18,TIMES GALARIA,BLOCK NO.272/A,REVENUE SURVEY… in SURAT, GUJARAT. 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.