IFSC Code of Vasai Janata Sahakari Bank Limited, Naigaon East Branch, Maharashtra

Use this page as a one-stop reference for everything related to Vasai Janata Sahakari Bank Limited's NAIGAON EAST branch in VASAI, MAHARASHTRA. The branch's IFSC code VASJ0000015 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.

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 Vasai Janata Sahakari Bank Limited's NAIGAON EAST branch, the IFSC VASJ0000015 breaks down as follows: VASJ identifies the bank, 0 is the reserved character, and 000015 identifies this particular branch.

About Vasai Janata Sahakari Bank Limited

Vasai Janata Sahakari Bank Limited operates a wide network of branches across India, including the Naigaon East branch in Vasai. 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, VASJ0000015.

Branch details at a glance

About the Naigaon East branch

The Naigaon East branch of Vasai Janata Sahakari Bank Limited is situated at FLAT NO 8 AND 9,G2,SAI ENCLAVE BUILDING NO 1 CHS,NAIGAON EAST. 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 VASJ0000015 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 Vasai Janata Sahakari Bank Limited's NAIGAON EAST branch came to be assigned the code VASJ0000015.

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 VASJ0000015, money simply cannot be routed to the NAIGAON EAST branch electronically.

Account types you can open at the Naigaon East branch

Once you have an account at Vasai Janata Sahakari Bank Limited – NAIGAON EAST, the IFSC VASJ0000015 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 Naigaon East branch can access most of Vasai Janata 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 VASJ0000015

How to transfer money using IFSC VASJ0000015

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 VASJ0000015 across all three.

NEFT to Vasai Janata Sahakari Bank Limited, NAIGAON EAST using IFSC VASJ0000015

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 VASJ0000015, and confirm that the system picks up Vasai Janata Sahakari Bank Limited – NAIGAON EAST. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NAIGAON EAST

If you need to transfer ₹2 lakh or more in one go to an account at Vasai Janata Sahakari Bank Limited's NAIGAON EAST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC VASJ0000015 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Vasai Janata Sahakari Bank Limited – NAIGAON EAST, use IMPS. With IFSC VASJ0000015 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC VASJ0000015 for Vasai Janata Sahakari Bank Limited – NAIGAON EAST, 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 Naigaon East 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 Vasai Janata Sahakari Bank Limited's NAIGAON EAST branch, the IFSC VASJ0000015 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.

Online banking and IFSC VASJ0000015

Vasai Janata Sahakari Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NAIGAON EAST 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 VASJ0000015 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.

MICR & cheque-truncation details

Cheques drawn on the Naigaon East branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC VASJ0000015 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC VASJ0000015

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 Vasai Janata Sahakari Bank Limited – NAIGAON EAST, 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: VASJ0000015.
• 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 Naigaon East branch

The branch is located at FLAT NO 8 AND 9,G2,SAI ENCLAVE BUILDING NO 1 CHS,NAIGAON EAST, which puts it inside Vasai, the broader Palghar district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Vasai Janata Sahakari Bank Limited Naigaon East branch” — the verified location pin for IFSC VASJ0000015 should appear at the top of the results.
2. Confirm the branch is open by calling 250-2308898 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 VASJ0000015 and your account number.

Verifying IFSC VASJ0000015 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 VASJ0000015 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 250-2308898.
• 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 Naigaon East branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC VASJ0000015, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: VASJ0000015 is the IFSC code of Vasai Janata Sahakari Bank Limited, NAIGAON EAST branch, in VASAI, 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.