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

Use this page as a one-stop reference for everything related to TJSB Sahakari Bank Limited's SAWANTWADI branch in SAWANTWADI, MAHARASHTRA. The branch's IFSC code TJSB0000192 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 TJSB Sahakari Bank Limited – SAWANTWADI is TJSB0000192. The first four letters TJSB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000192 map to this branch in SAWANTWADI, MAHARASHTRA.

About the bank

TJSB Sahakari Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Sawantwadi branch in Sawantwadi, Maharashtra is part of this network and uses the IFSC code TJSB0000192 for all electronic settlement.

Sawantwadi branch overview

Located at SAWANTWADI MUNICIPALITY NO G 143 UBHABAZAR FIRST FLOOR SAWANTWADI DIST SINDHUDURG PIN NO 416 510, the Sawantwadi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC TJSB0000192 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

Why every TJSB Sahakari Bank Limited 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 SAWANTWADI of TJSB Sahakari Bank Limited — its own 11-character IFSC. The code TJSB0000192 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 TJSB0000192 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 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 TJSB0000192 and the account number together uniquely identify the Sawantwadi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC TJSB0000192

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 TJSB0000192 across all three.

How to use IFSC TJSB0000192 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to TJSB Sahakari Bank Limited's SAWANTWADI 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 TJSB0000192.
4. Confirm the bank name auto-populates as TJSB Sahakari Bank Limited and the branch as SAWANTWADI.
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 SAWANTWADI

If you need to transfer ₹2 lakh or more in one go to an account at TJSB Sahakari Bank Limited's SAWANTWADI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TJSB0000192 while initiating the transfer and the credit will appear within minutes.

IMPS to TJSB Sahakari Bank Limited SAWANTWADI (IFSC TJSB0000192)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TJSB0000192 in your mobile or internet banking app, and the money is credited to the SAWANTWADI branch account within seconds.

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

All three modes accept the IFSC TJSB0000192 for TJSB Sahakari Bank Limited – SAWANTWADI, 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 Sawantwadi 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 TJSB Sahakari Bank Limited's SAWANTWADI branch, the IFSC TJSB0000192 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.

Account types you can open at the Sawantwadi branch

Once you have an account at TJSB Sahakari Bank Limited – SAWANTWADI, the IFSC TJSB0000192 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Sawantwadi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 TJSB0000192

Online banking and IFSC TJSB0000192

TJSB Sahakari Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SAWANTWADI 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 TJSB0000192 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.

Reaching the branch

The Sawantwadi branch sits at SAWANTWADI MUNICIPALITY NO G 143 UBHABAZAR FIRST FLOOR SAWANTWADI DIST SINDHUDURG PIN NO 416 510. If you are travelling from outside Sawantwadi, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC TJSB0000192 and your account number.

Common mistakes to avoid when using IFSC TJSB0000192

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 – SAWANTWADI, 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: TJSB0000192.
• 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.

Working hours

Branch counters at Sawantwadi 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 TJSB0000192 continue to work without interruption.

Verifying IFSC TJSB0000192 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 TJSB0000192 by:

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

Branch address & contact

Frequently asked questions

Summary

The IFSC code TJSB0000192 belongs to TJSB Sahakari Bank Limited's SAWANTWADI branch, located at SAWANTWADI MUNICIPALITY NO G 143 UBHABAZAR FIRST FLOOR SAWANTWADI DIST… in SAWANTWADI, 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.