Kallappanna Awade Ichalkaranji Janata Sahakari Bank Shirguppi IFSC Code
Kallappanna Awade Ichalkaranji Janata Sahakari Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Shirguppi
Address
Property Card No. 640-1-b, Galli No. 3, Ugar Road, A-p -shirguppi, Tal- Kagwad, Dist- Belgaum, Karnataka - 591242
View on Google MapsDistrict
Shirguppi
State
Karnataka
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Frequently Asked Questions
About Kallappanna Awade Ichalkaranji Janata Sahakari Bank Shirguppi (3 Ugar Road A-p -shirguppi - 0037), Shirguppi
The IFSC code KAIJ0000037 (lowercase: kaij0000037) belongs to Kallappanna Awade Ichalkaranji Janata Sahakari Bank, specifically the Shirguppi (3 Ugar Road A-p -shirguppi - 0037) branch located in Shirguppi, Karnataka.
The 5th character in the IFSC code KAIJ0000037 is a zero (0), not the letter 'O'. The correct format is KAIJ0000037 (lowercase: kaij0000037), and not KAIJO000037. 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 Shirguppi (3 Ugar Road A-p -shirguppi - 0037) in Shirguppi, Karnataka is KAIJ0000037. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Shirguppi (3 Ugar Road A-p -shirguppi - 0037) is located at Property Card No. 640-1-b, Galli No. 3, Ugar Road, A-p -shirguppi, Tal- Kagwad, Dist- Belgaum, Karnataka - 591242, Shirguppi, 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 Shirguppi (3 Ugar Road A-p -shirguppi - 0037) is 591386303. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code KAIJ0000037 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 KAIJ0000037 by checking: (1) The top-left corner of any Kallappanna Awade Ichalkaranji Janata Sahakari Bank Shirguppi (3 Ugar Road A-p -shirguppi - 0037) 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: KAIJ0000037
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
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KAIJ0000037
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 — 000037
- The final 6 characters 000037 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 | 000037 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
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Kallappanna Awade Ichalkaranji Janata Sahakari Bank
Shirguppi (3 Ugar Road A-p -shirguppi - 0037), Shirguppi, Karnataka
Cheque No.
00000037
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 | KAIJ0000037 | 591386303 |
| 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.