Kallappanna Awade Ichalkaranji Janata Sahakari Bank Nipani IFSC Code
Kallappanna Awade Ichalkaranji Janata Sahakari Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Nipani
District
Nipani
State
Karnataka
🔍 Search for another branch
Top Financial Tools for Kallappanna Awade Ichalkaranji Janata Sahakari Bank Customers
Free calculators — no login required
Kallappanna Awade Ichalkaranji Janata Sahakari Bank FD Calculator
Estimate fixed deposit maturity with quarterly compounding
Kallappanna Awade Ichalkaranji Janata Sahakari Bank RD Calculator
Compute recurring deposit maturity with monthly deposits
Kallappanna Awade Ichalkaranji Janata Sahakari Bank APY Calculator
Plan your Atal Pension Yojana monthly contribution & pension amount
Kallappanna Awade Ichalkaranji Janata Sahakari Bank SSY Calculator
Calculate Sukanya Samriddhi Yojana maturity for your daughter
Frequently Asked Questions
About Kallappanna Awade Ichalkaranji Janata Sahakari Bank Nipani (912 Satwai Road Nipani Tal - 0045), Nipani
The IFSC code KAIJ0000045 (lowercase: kaij0000045) belongs to Kallappanna Awade Ichalkaranji Janata Sahakari Bank, specifically the Nipani (912 Satwai Road Nipani Tal - 0045) branch located in Nipani, Karnataka.
The 5th character in the IFSC code KAIJ0000045 is a zero (0), not the letter 'O'. The correct format is KAIJ0000045 (lowercase: kaij0000045), and not KAIJO000045. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Nipani (912 Satwai Road Nipani Tal - 0045) in Nipani, Karnataka is KAIJ0000045. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Nipani (912 Satwai Road Nipani Tal - 0045) is located at Cms No. 912 Satwai Road, Nipani Tal. Chikodi, Dist. Belgaum 591237, Nipani, Karnataka. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Kallappanna Awade Ichalkaranji Janata Sahakari Bank Nipani (912 Satwai Road Nipani Tal - 0045) is 591386302. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code KAIJ0000045 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code KAIJ0000045 by checking: (1) The top-left corner of any Kallappanna Awade Ichalkaranji Janata Sahakari Bank Nipani (912 Satwai Road Nipani Tal - 0045) cheque leaf, (2) The first page of your Kallappanna Awade Ichalkaranji Janata Sahakari Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: KAIJ0000045
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
KAIJ0000045
What Each Part Means
- Bank Code — KAIJ
- The first 4 characters uniquely identify Kallappanna Awade Ichalkaranji Janata Sahakari Bank at the national level. Every branch of Kallappanna Awade Ichalkaranji Janata Sahakari Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 000045
- The final 6 characters 000045 uniquely identify this specific branch within the Kallappanna Awade Ichalkaranji Janata Sahakari Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | KAIJ | Identifies Kallappanna Awade Ichalkaranji Janata Sahakari Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 000045 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
Kallappanna Awade Ichalkaranji Janata Sahakari Bank
Nipani (912 Satwai Road Nipani Tal - 0045), Nipani, Karnataka
Cheque No.
00000045
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | KAIJ0000045 | 591386302 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.