Akola Janata Commercial Co-operative Bank
WASHIM BRANCH
+917252232190
Understanding IFSC Code: The Digital DNA of Akola Janata Commercial Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the WASHIM
branch of Akola Janata Commercial Co-operative Bank, the code AKJB0000004 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the AKJB0000004 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"AKJB" represents Akola Janata Commercial Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for WASHIM
Payment Systems Supported by AKJB0000004
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—444364202—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Akola Janata Commercial Co-operative Bank in WASHIM typically follows the RBI holiday calendar. Digital transfers via AKJB0000004 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While AKJB0000004 is the valid code for WASHIM at WASHIM, ensure the beneficiary name matches perfectly in your mobile banking app.
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Financial Tools
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Branch Context
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Platform Links
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