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

This page lists the IFSC code, branch address, contact number and fund-transfer information for TJSB Sahakari Bank Limited, TITWALA branch in THANE. The 11-digit IFSC TJSB0000128 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 TITWALA 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, TJSB0000128 is the IFSC of TJSB Sahakari Bank Limited's TITWALA branch. The format is fixed: TJSB = bank code, 0 = reserved, 000128 = branch identifier.

Branch details at a glance

About TJSB Sahakari Bank Limited

TJSB Sahakari Bank Limited operates a wide network of branches across India, including the Titwala branch in Thane. 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, TJSB0000128.

About this branch

The branch is located at SHOP NO.6 & 7, REGENCY SARVAM, GUPTA ESTATE, NEAR TITWALA STATION, GANPATI MANDIR ROAD, TITWALA(EAST)-421605. It serves the Thane 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 TJSB0000128 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 TITWALA of TJSB Sahakari Bank Limited — its own 11-character IFSC. The code TJSB0000128 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 TJSB0000128 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 TJSB0000128

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 TJSB0000128 across all three.

NEFT to TJSB Sahakari Bank Limited, TITWALA using IFSC TJSB0000128

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 TJSB0000128, and confirm that the system picks up TJSB Sahakari Bank Limited – TITWALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC TJSB0000128

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 – TITWALA, ensure your bank's portal accepts IFSC TJSB0000128 while registering the beneficiary. RTGS is also available 24x7.

IMPS to TJSB Sahakari Bank Limited TITWALA (IFSC TJSB0000128)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TJSB0000128 in your mobile or internet banking app, and the money is credited to the TITWALA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Titwala

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 TJSB0000128:

• 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 TITWALA is still linked to IFSC TJSB0000128.

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 TJSB0000128

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 – TITWALA is still mapped to IFSC TJSB0000128. 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 TJSB0000128 and the beneficiary's account number to complete the transfer.

Account types you can open at the Titwala branch

Once you have an account at TJSB Sahakari Bank Limited – TITWALA, the IFSC TJSB0000128 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.

Products and services

Customers walking into the Titwala 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 TJSB0000128

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 TJSB0000128 and the account number together uniquely identify the Titwala branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC TJSB0000128

TJSB Sahakari Bank Limited customers can register for net banking and the bank's official mobile app once their account at the TITWALA 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 TJSB0000128 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 TJSB0000128

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 – TITWALA, 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: TJSB0000128.
• 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 Titwala branch

The branch is located at SHOP NO.6 & 7, REGENCY SARVAM, GUPTA ESTATE, NEAR TITWALA STATION, GANPATI MANDIR ROAD, TITWALA(EAST)-421605, which puts it inside Thane, 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 Titwala branch” — the verified location pin for IFSC TJSB0000128 should appear at the top of the results.
2. Confirm the branch is open by calling 251-2382088 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 TJSB0000128 and your account number.

Verifying IFSC TJSB0000128 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 TJSB0000128 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 251-2382088.
• 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 Titwala branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC TJSB0000128, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: TJSB0000128 is the IFSC code of TJSB Sahakari Bank Limited, TITWALA branch, in THANE, 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.