IFSC Code of The Kalyan Janata Sahakari Bank Ltd, The Konark Urben Co. Op. Bank Ltd. - Sapna Garden Branch Branch, Maharashtra

Below are the complete branch details for The Kalyan Janata Sahakari Bank Ltd, THE KONARK URBEN CO. OP. BANK LTD. - SAPNA GARDEN BRANCH branch, located in ULHASNAGAR, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is KJSB0KUB255. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case KJSB0KUB255 for The Kalyan Janata Sahakari Bank Ltd – THE KONARK URBEN CO. OP. BANK LTD. - SAPNA GARDEN BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – THE KONARK URBEN CO. OP. BANK LTD. - SAPNA GARDEN BRANCH is KJSB0KUB255. The first four letters KJSB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters KUB255 map to this branch in ULHASNAGAR, MAHARASHTRA.

About the bank

The Kalyan Janata Sahakari Bank Ltd serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Konark Urben Co. Op. Bank Ltd. - Sapna Garden Branch branch in Ulhasnagar, Maharashtra is part of this network and uses the IFSC code KJSB0KUB255 for all electronic settlement.

Branch details at a glance

About the The Konark Urben Co. Op. Bank Ltd. - Sapna Garden Branch branch

The The Konark Urben Co. Op. Bank Ltd. - Sapna Garden Branch branch of The Kalyan Janata Sahakari Bank Ltd is situated at GALA NO. B, GROUND FLOOR, KONARK PLAZA, ULHASNAGAR 421003. 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 KJSB0KUB255 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 THE KONARK URBEN CO. OP. BANK LTD. - SAPNA GARDEN BRANCH of The Kalyan Janata Sahakari Bank Ltd — its own 11-character IFSC. The code KJSB0KUB255 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 KJSB0KUB255 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 The Konark Urben Co. Op. Bank Ltd. - Sapna Garden Branch branch is mapped to IFSC KJSB0KUB255 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 KJSB0KUB255.

Products and services

Customers walking into the The Konark Urben Co. Op. Bank Ltd. - Sapna Garden Branch 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 KJSB0KUB255

How to transfer money using IFSC KJSB0KUB255

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 KJSB0KUB255 across all three.

How to use IFSC KJSB0KUB255 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 THE KONARK URBEN CO. OP. BANK LTD. - SAPNA GARDEN BRANCH 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 KJSB0KUB255.
4. Confirm the bank name auto-populates as The Kalyan Janata Sahakari Bank Ltd and the branch as THE KONARK URBEN CO. OP. BANK LTD. - SAPNA GARDEN BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KJSB0KUB255

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 – THE KONARK URBEN CO. OP. BANK LTD. - SAPNA GARDEN BRANCH, ensure your bank's portal accepts IFSC KJSB0KUB255 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 – THE KONARK URBEN CO. OP. BANK LTD. - SAPNA GARDEN BRANCH, use IMPS. With IFSC KJSB0KUB255 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 KJSB0KUB255 for The Kalyan Janata Sahakari Bank Ltd – THE KONARK URBEN CO. OP. BANK LTD. - SAPNA GARDEN BRANCH, 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 The Konark Urben Co. Op. Bank Ltd. - Sapna Garden Branch 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 THE KONARK URBEN CO. OP. BANK LTD. - SAPNA GARDEN BRANCH branch, the IFSC KJSB0KUB255 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.

Digital banking channels

Most day-to-day work that customers used to do at the The Konark Urben Co. Op. Bank Ltd. - Sapna Garden Branch branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC KJSB0KUB255 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

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 KJSB0KUB255 and the account number together uniquely identify the The Konark Urben Co. Op. Bank Ltd. - Sapna Garden Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – THE KONARK URBEN CO. OP. BANK LTD. - SAPNA GARDEN BRANCH:

• The IFSC is exactly KJSB0KUB255 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 THE KONARK URBEN CO. OP. BANK LTD. - SAPNA GARDEN BRANCH 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 The Konark Urben Co. Op. Bank Ltd. - Sapna Garden Branch branch

The branch is located at GALA NO. B, GROUND FLOOR, KONARK PLAZA, ULHASNAGAR 421003, which puts it inside Ulhasnagar, 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 The Konark Urben Co. Op. Bank Ltd. - Sapna Garden Branch branch” — the verified location pin for IFSC KJSB0KUB255 should appear at the top of the results.
2. Confirm the branch is open by calling 251-2731676 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 KJSB0KUB255 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KJSB0KUB255 for The Kalyan Janata Sahakari Bank Ltd – THE KONARK URBEN CO. OP. BANK LTD. - SAPNA GARDEN BRANCH, 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 The Konark Urben Co. Op. Bank Ltd. - Sapna Garden Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KJSB0KUB255, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KJSB0KUB255 is the IFSC code of The Kalyan Janata Sahakari Bank Ltd, THE KONARK URBEN CO. OP. BANK LTD. - SAPNA GARDEN BRANCH branch, in ULHASNAGAR, 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.