IFSC Code of TJSB Sahakari Bank Limited, Purna Naka Branch, Maharashtra

If you are searching for the IFSC code of TJSB Sahakari Bank Limited, PURNA NAKA branch in BHIWANDI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is TJSB0000144. 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 PURNA NAKA branch, and detailed step-by-step guides for using the IFSC TJSB0000144 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 TJSB Sahakari Bank Limited's PURNA NAKA branch, the IFSC TJSB0000144 breaks down as follows: TJSB identifies the bank, 0 is the reserved character, and 000144 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 Purna Naka branch — IFSC TJSB0000144 — extends the bank's services to customers in and around Bhiwandi, Maharashtra.

Branch details at a glance

About the Purna Naka branch

The Purna Naka branch of TJSB Sahakari Bank Limited is situated at GROUND FLOOR, GALA NO.2,2A & 1, OM SAI RESIDENCY, PURNA NAKA, BHIWANDI, THANE-421302. 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 TJSB0000144 is used.

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 PURNA NAKA branch came to be assigned the code TJSB0000144.

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 TJSB0000144, money simply cannot be routed to the PURNA NAKA branch electronically.

Products and account variants supported

Every account opened at the Purna Naka branch is mapped to IFSC TJSB0000144 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 TJSB0000144.

Products and services

Customers walking into the Purna Naka 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 TJSB0000144

How to transfer money using IFSC TJSB0000144

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 TJSB0000144 across all three.

How to use IFSC TJSB0000144 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to TJSB Sahakari Bank Limited's PURNA NAKA 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 TJSB0000144.
4. Confirm the bank name auto-populates as TJSB Sahakari Bank Limited and the branch as PURNA NAKA.
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 PURNA NAKA

If you need to transfer ₹2 lakh or more in one go to an account at TJSB Sahakari Bank Limited's PURNA NAKA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TJSB0000144 while initiating the transfer and the credit will appear within minutes.

IMPS to TJSB Sahakari Bank Limited PURNA NAKA (IFSC TJSB0000144)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TJSB0000144 in your mobile or internet banking app, and the money is credited to the PURNA NAKA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC TJSB0000144 for TJSB Sahakari Bank Limited – PURNA NAKA, 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 Purna Naka 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.

UPI payments and IFSC TJSB0000144

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 – PURNA NAKA is still mapped to IFSC TJSB0000144. 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 TJSB0000144 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Purna Naka 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 TJSB0000144 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 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 TJSB0000144 and the account number together uniquely identify the Purna Naka 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 TJSB0000144

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 – PURNA NAKA, 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: TJSB0000144.
• 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 Purna Naka branch

The branch is located at GROUND FLOOR, GALA NO.2,2A & 1, OM SAI RESIDENCY, PURNA NAKA, BHIWANDI, THANE-421302, which puts it inside Bhiwandi, the broader Thane district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “TJSB Sahakari Bank Limited Purna Naka branch” — the verified location pin for IFSC TJSB0000144 should appear at the top of the results.
2. Confirm the branch is open by calling 22-8976824867 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 TJSB0000144 and your account number.

Verifying IFSC TJSB0000144 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 TJSB0000144 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-8976824867.
• Visiting the bank's official branch locator page.

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 Purna Naka branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC TJSB0000144, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: TJSB0000144 is the IFSC code of TJSB Sahakari Bank Limited, PURNA NAKA branch, in BHIWANDI, 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.