Janata Co-operative Bank
Janata Co-operative Bank IMPS BRANCH
+911123256274
Understanding IFSC Code: The Digital DNA of Janata Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the Janata Co-operative Bank IMPS
branch of Janata Co-operative Bank, the code HDFC0CTJCBL 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 HDFC0CTJCBL Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"HDFC" represents Janata Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for Janata Co-operative Bank IMPS
Payment Systems Supported by HDFC0CTJCBL
| 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—110361002—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 Janata Co-operative Bank in DELHI typically follows the RBI holiday calendar. Digital transfers via HDFC0CTJCBL 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 HDFC0CTJCBL is the valid code for Janata Co-operative Bank IMPS at DELHI, ensure the beneficiary name matches perfectly in your mobile banking app.
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Branch Context
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