Kalyan Janata Sahakari Bank Ulhasnagar IFSC Code
Kalyan Janata Sahakari Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Ulhasnagar
Address
Shop No.2 & 3,shiv Shakti Complex,near Geeta ,complex,nehru Chowk,central Hospital Road,ulhasnagar -421 002
View on Google MapsDistrict
Ulhasnagar
State
Maharashtra
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Frequently Asked Questions
About Kalyan Janata Sahakari Bank Ulhasnagar (central Hospital Road Ulhasn - 0015), Ulhasnagar
The IFSC code KJSB0000015 (lowercase: kjsb0000015) belongs to Kalyan Janata Sahakari Bank, specifically the Ulhasnagar (central Hospital Road Ulhasn - 0015) branch located in Ulhasnagar, Maharashtra.
The 5th character in the IFSC code KJSB0000015 is a zero (0), not the letter 'O'. The correct format is KJSB0000015 (lowercase: kjsb0000015), and not KJSBO000015. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Kalyan Janata Sahakari Bank Ulhasnagar (central Hospital Road Ulhasn - 0015) in Ulhasnagar, Maharashtra is KJSB0000015. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Kalyan Janata Sahakari Bank Ulhasnagar (central Hospital Road Ulhasn - 0015) is located at Shop No.2 & 3,shiv Shakti Complex,near Geeta ,complex,nehru Chowk,central Hospital Road,ulhasnagar -421 002, Ulhasnagar, Maharashtra. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Kalyan Janata Sahakari Bank Ulhasnagar (central Hospital Road Ulhasn - 0015) is 400367015. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code KJSB0000015 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 KJSB0000015 by checking: (1) The top-left corner of any Kalyan Janata Sahakari Bank Ulhasnagar (central Hospital Road Ulhasn - 0015) cheque leaf, (2) The first page of your Kalyan 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: KJSB0000015
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
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KJSB0000015
What Each Part Means
- Bank Code — KJSB
- The first 4 characters uniquely identify Kalyan Janata Sahakari Bank at the national level. Every branch of Kalyan 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 — 000015
- The final 6 characters 000015 uniquely identify this specific branch within the Kalyan 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 | KJSB | Identifies Kalyan Janata Sahakari Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 000015 | 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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Kalyan Janata Sahakari Bank
Ulhasnagar (central Hospital Road Ulhasn - 0015), Ulhasnagar, Maharashtra
Cheque No.
00000015
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 | KJSB0000015 | 400367015 |
| 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.