IFSC Code of TJSB Sahakari Bank Limited, Banda Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for TJSB Sahakari Bank Limited, BANDA branch in BANDA. The 11-digit IFSC TJSB0000194 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with TJSB Sahakari Bank Limited at the BANDA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 TJSB Sahakari Bank Limited's BANDA branch, the IFSC TJSB0000194 breaks down as follows: TJSB identifies the bank, 0 is the reserved character, and 000194 identifies this particular branch.

Bank profile

TJSB Sahakari Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Banda branch — IFSC TJSB0000194 — extends the bank's services to customers in and around Banda, Maharashtra.

About this branch

The branch is located at WARD NO 05 BANDA GRAMPANCHAYAT NO 1699 GROUND FLOOR BAJARPETH TAL SAWANTWADI DIST SINDHUDURG PIN NO 416 511. It serves the Banda region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of TJSB Sahakari Bank Limited. The IFSC TJSB0000194 is used to identify this branch on the RBI payments network.

Branch details at a glance

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how TJSB Sahakari Bank Limited's BANDA branch came to be assigned the code TJSB0000194.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC TJSB0000194, money simply cannot be routed to the BANDA branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by TJSB Sahakari Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC TJSB0000194 and the account number together uniquely identify the Banda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC TJSB0000194

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 TJSB0000194 across all three.

NEFT to TJSB Sahakari Bank Limited, BANDA using IFSC TJSB0000194

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 TJSB0000194, and confirm that the system picks up TJSB Sahakari Bank Limited – BANDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC TJSB0000194

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 TJSB Sahakari Bank Limited – BANDA, ensure your bank's portal accepts IFSC TJSB0000194 while registering the beneficiary. RTGS is also available 24x7.

IMPS to TJSB Sahakari Bank Limited BANDA (IFSC TJSB0000194)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TJSB0000194 in your mobile or internet banking app, and the money is credited to the BANDA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Banda

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 TJSB0000194:

• 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 BANDA is still linked to IFSC TJSB0000194.

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.

UPI payments and IFSC TJSB0000194

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at TJSB Sahakari Bank Limited – BANDA is still mapped to IFSC TJSB0000194. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC TJSB0000194 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Banda branch is mapped to IFSC TJSB0000194 on the RBI payments network. The branch generally supports the full retail product catalogue of TJSB Sahakari Bank Limited, 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 TJSB0000194.

Products and services

Customers walking into the Banda branch can access most of TJSB Sahakari Bank Limited'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 TJSB0000194

Digital banking channels

Most day-to-day work that customers used to do at the Banda 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 TJSB0000194 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.

How to reach the Banda branch

The branch is located at WARD NO 05 BANDA GRAMPANCHAYAT NO 1699 GROUND FLOOR BAJARPETH TAL SAWANTWADI DIST SINDHUDURG PIN NO 416 511, which puts it inside Banda, the broader Sindhudurg district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “TJSB Sahakari Bank Limited Banda branch” — the verified location pin for IFSC TJSB0000194 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 TJSB0000194 and your account number.

Common mistakes to avoid when using IFSC TJSB0000194

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 TJSB Sahakari Bank Limited – BANDA, 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: TJSB0000194.
• 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.

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 Banda branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC TJSB0000194, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC TJSB0000194 for TJSB Sahakari Bank Limited – BANDA, 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 address & contact

Frequently asked questions

Summary

The IFSC code TJSB0000194 belongs to TJSB Sahakari Bank Limited's BANDA branch, located at WARD NO 05 BANDA GRAMPANCHAYAT NO 1699 GROUND FLOOR BAJARPETH TAL SAWANTWADI… in BANDA, 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.