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 KJSB0000021. 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 KJSB0000021 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.

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 – ULHASNAGAR- is KJSB0000021. The first four letters KJSB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000021 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 Ulhasnagar- branch in Ulhasnagar, Maharashtra is part of this network and uses the IFSC code KJSB0000021 for all electronic settlement.

About this branch

The branch is located at NIJDHAM ASHRAM, NIJDHAM MARG, GANDHI ROADOPP. PETROL PUMP ULHASNAGAR 5. It serves the Ulhasnagar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Kalyan Janata Sahakari Bank Ltd. The IFSC KJSB0000021 is used to identify this branch on the RBI payments network.

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 ULHASNAGAR- of The Kalyan Janata Sahakari Bank Ltd — its own 11-character IFSC. The code KJSB0000021 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 KJSB0000021 the same way you would treat your account number — verify it once and save it carefully for future use.

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 KJSB0000021 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.

How to transfer money using IFSC KJSB0000021

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 KJSB0000021 across all three.

How to use IFSC KJSB0000021 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 KJSB0000021.
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.

Real-Time Gross Settlement to ULHASNAGAR-

If you need to transfer ₹2 lakh or more in one go to an account at The Kalyan Janata Sahakari Bank Ltd's ULHASNAGAR- branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KJSB0000021 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Kalyan Janata Sahakari Bank Ltd – ULHASNAGAR-, use IMPS. With IFSC KJSB0000021 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 KJSB0000021 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 KJSB0000021 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 Ulhasnagar- branch is mapped to IFSC KJSB0000021 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 KJSB0000021.

Banking services available

The Ulhasnagar- branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 251-2520181.

• 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 KJSB0000021

Online banking and IFSC KJSB0000021

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 KJSB0000021 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 Ulhasnagar- branch

The branch is located at NIJDHAM ASHRAM, NIJDHAM MARG, GANDHI ROADOPP. PETROL PUMP ULHASNAGAR 5, 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 KJSB0000021 should appear at the top of the results.
2. Confirm the branch is open by calling 251-2520181 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 KJSB0000021 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 – ULHASNAGAR-:

• The IFSC is exactly KJSB0000021 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 ULHASNAGAR- 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.

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 KJSB0000021 continue to work without interruption.

Verifying IFSC KJSB0000021 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 KJSB0000021 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 251-2520181.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: KJSB0000021 is the IFSC code of The Kalyan Janata Sahakari Bank Ltd, ULHASNAGAR- 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.