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

Below are the complete branch details for TJSB Sahakari Bank Limited, SHIRODA branch, located in SHIRODA, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is TJSB0000198. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case TJSB0000198 for TJSB Sahakari Bank Limited – SHIRODA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 SHIRODA branch, the IFSC TJSB0000198 breaks down as follows: TJSB identifies the bank, 0 is the reserved character, and 000198 identifies this particular branch.

Branch details at a glance

About TJSB Sahakari Bank Limited

TJSB Sahakari Bank Limited operates a wide network of branches across India, including the Shiroda branch in Shiroda. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, TJSB0000198.

About this branch

The branch is located at SHIRODA GRAMPANCHAYAT NO 461 GROUND FLOOR MAIN ROAD SHIRODA TAL VENGURLA DIST SINDHUDURG PIN NO 416 518. It serves the Shiroda 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 TJSB0000198 is used to identify this branch on the RBI payments network.

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 SHIRODA of TJSB Sahakari Bank Limited — its own 11-character IFSC. The code TJSB0000198 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 TJSB0000198 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC TJSB0000198

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 TJSB0000198 across all three.

How to use IFSC TJSB0000198 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to TJSB Sahakari Bank Limited's SHIRODA 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 TJSB0000198.
4. Confirm the bank name auto-populates as TJSB Sahakari Bank Limited and the branch as SHIRODA.
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 SHIRODA

If you need to transfer ₹2 lakh or more in one go to an account at TJSB Sahakari Bank Limited's SHIRODA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TJSB0000198 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to TJSB Sahakari Bank Limited – SHIRODA, use IMPS. With IFSC TJSB0000198 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Shiroda

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 TJSB0000198:

• 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 SHIRODA is still linked to IFSC TJSB0000198.

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 TJSB0000198

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 – SHIRODA is still mapped to IFSC TJSB0000198. 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 TJSB0000198 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Shiroda branch is mapped to IFSC TJSB0000198 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 TJSB0000198.

Products and services

Customers walking into the Shiroda 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 TJSB0000198

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 TJSB0000198 and the account number together uniquely identify the Shiroda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC TJSB0000198

TJSB Sahakari Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SHIRODA 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 TJSB0000198 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.

Common mistakes to avoid when using IFSC TJSB0000198

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 – SHIRODA, 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: TJSB0000198.
• 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 Shiroda branch

The branch is located at SHIRODA GRAMPANCHAYAT NO 461 GROUND FLOOR MAIN ROAD SHIRODA TAL VENGURLA DIST SINDHUDURG PIN NO 416 518, which puts it inside Shiroda, 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 Shiroda branch” — the verified location pin for IFSC TJSB0000198 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 TJSB0000198 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC TJSB0000198 for TJSB Sahakari Bank Limited – SHIRODA, 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 Shiroda 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 TJSB0000198 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: TJSB0000198 is the IFSC code of TJSB Sahakari Bank Limited, SHIRODA branch, in SHIRODA, 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.