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

If you are searching for the IFSC code of The Kalyan Janata Sahakari Bank Ltd, ULHASNAGAR branch in ULHASNAGAR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is KJSB0000015. 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 ULHASNAGAR branch, and detailed step-by-step guides for using the IFSC KJSB0000015 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 ULHASNAGAR branch, the IFSC KJSB0000015 breaks down as follows: KJSB identifies the bank, 0 is the reserved character, and 000015 identifies this particular branch.

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 Ulhasnagar branch in Ulhasnagar, Maharashtra is part of this network and uses the IFSC code KJSB0000015 for all electronic settlement.

Branch details at a glance

About the Ulhasnagar branch

The Ulhasnagar branch of The Kalyan Janata Sahakari Bank Ltd is situated at SHOP NO.2 & 3,SHIV SHAKTI COMPLEX,NEAR GEETA ,COMPLEX,NEHRU CHOWK,CENTRAL HOSPITAL ROAD,ULHASNAGAR -421 002. 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 KJSB0000015 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 ULHASNAGAR of The Kalyan Janata Sahakari Bank Ltd — its own 11-character IFSC. The code KJSB0000015 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 KJSB0000015 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 Ulhasnagar branch is mapped to IFSC KJSB0000015 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 KJSB0000015.

Products and services

Customers walking into the Ulhasnagar 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 KJSB0000015

How to transfer money using IFSC KJSB0000015

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 KJSB0000015 across all three.

How to use IFSC KJSB0000015 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 ULHASNAGAR 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 KJSB0000015.
4. Confirm the bank name auto-populates as The Kalyan Janata Sahakari Bank Ltd and the branch as ULHASNAGAR.
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 KJSB0000015

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 – ULHASNAGAR, ensure your bank's portal accepts IFSC KJSB0000015 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 – ULHASNAGAR, use IMPS. With IFSC KJSB0000015 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 KJSB0000015 for The Kalyan Janata Sahakari Bank Ltd – ULHASNAGAR, 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 Ulhasnagar 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 ULHASNAGAR branch, the IFSC KJSB0000015 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 KJSB0000015

The Kalyan Janata Sahakari Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the ULHASNAGAR 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 KJSB0000015 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 KJSB0000015 and the account number together uniquely identify the Ulhasnagar 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 KJSB0000015

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 – ULHASNAGAR, 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: KJSB0000015.
• 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 Ulhasnagar branch

The branch is located at SHOP NO.2 & 3,SHIV SHAKTI COMPLEX,NEAR GEETA ,COMPLEX,NEHRU CHOWK,CENTRAL HOSPITAL ROAD,ULHASNAGAR -421 002, 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 Ulhasnagar branch” — the verified location pin for IFSC KJSB0000015 should appear at the top of the results.
2. Confirm the branch is open by calling 251-2709457 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 KJSB0000015 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KJSB0000015 for The Kalyan Janata Sahakari Bank Ltd – ULHASNAGAR, 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.

Working hours

Branch counters at Ulhasnagar 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 KJSB0000015 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KJSB0000015 belongs to The Kalyan Janata Sahakari Bank Ltd's ULHASNAGAR branch, located at SHOP NO.2 & 3,SHIV SHAKTI COMPLEX,NEAR GEETA ,COMPLEX,NEHRU CHOWK,CENTRAL… in ULHASNAGAR, 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.