IFSC Code of Vasai Janata Sahakari Bank Limited, Navghar Branch, Maharashtra

Use this page as a one-stop reference for everything related to Vasai Janata Sahakari Bank Limited's NAVGHAR branch in VASAI, MAHARASHTRA. The branch's IFSC code VASJ0000006 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 NAVGHAR branch, the IFSC VASJ0000006 breaks down as follows: VASJ identifies the bank, 0 is the reserved character, and 000006 identifies this particular branch.

About the bank

Vasai Janata Sahakari Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Navghar branch in Vasai, Maharashtra is part of this network and uses the IFSC code VASJ0000006 for all electronic settlement.

Branch details at a glance

Navghar branch overview

Located at NAYAN CHAMBERS, SAMARTH KRUPA NAGAR OPP. RAILWAY STATION, VASAI EAST PALGHAR MAHARASHTRA 401208, the Navghar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC VASJ0000006 is required for all interbank electronic transfers routed through this branch.

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 NAVGHAR branch came to be assigned the code VASJ0000006.

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 VASJ0000006, money simply cannot be routed to the NAVGHAR branch electronically.

Products and account variants supported

Every account opened at the Navghar branch is mapped to IFSC VASJ0000006 on the RBI payments network. The branch generally supports the full retail product catalogue of Vasai Janata 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 VASJ0000006.

Banking services available

The Navghar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91250-2392531.

• 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 VASJ0000006

How to transfer money using IFSC VASJ0000006

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 VASJ0000006 across all three.

How to use IFSC VASJ0000006 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Vasai Janata Sahakari Bank Limited's NAVGHAR 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 VASJ0000006.
4. Confirm the bank name auto-populates as Vasai Janata Sahakari Bank Limited and the branch as NAVGHAR.
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 NAVGHAR

If you need to transfer ₹2 lakh or more in one go to an account at Vasai Janata Sahakari Bank Limited's NAVGHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC VASJ0000006 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 – NAVGHAR, use IMPS. With IFSC VASJ0000006 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 VASJ0000006 for Vasai Janata Sahakari Bank Limited – NAVGHAR, 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 Navghar 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 VASJ0000006

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 Vasai Janata Sahakari Bank Limited – NAVGHAR is still mapped to IFSC VASJ0000006. 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 VASJ0000006 and the beneficiary's account number to complete the transfer.

Online banking and IFSC VASJ0000006

Vasai Janata Sahakari Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NAVGHAR 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 VASJ0000006 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 code & cheque clearing

Apart from IFSC, every cheque book issued by Vasai Janata 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 VASJ0000006 and the account number together uniquely identify the Navghar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Vasai Janata Sahakari Bank Limited – NAVGHAR:

• The IFSC is exactly VASJ0000006 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Vasai Janata Sahakari Bank Limited as the bank name and NAVGHAR as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Navghar branch

The branch is located at NAYAN CHAMBERS, SAMARTH KRUPA NAGAR OPP. RAILWAY STATION, VASAI EAST PALGHAR MAHARASHTRA 401208, 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 Navghar branch” — the verified location pin for IFSC VASJ0000006 should appear at the top of the results.
2. Confirm the branch is open by calling 91250-2392531 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 VASJ0000006 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC VASJ0000006 for Vasai Janata Sahakari Bank Limited – NAVGHAR, 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.

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 Navghar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC VASJ0000006, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: VASJ0000006 is the IFSC code of Vasai Janata Sahakari Bank Limited, NAVGHAR 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.