Janakalyan Sahakari Bank
PANVEL BRANCH
+918108066023
Understanding IFSC Code: The Digital DNA of Janakalyan Sahakari Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the PANVEL
branch of Janakalyan Sahakari Bank, the code JSBL0000023 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 JSBL0000023 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"JSBL" represents Janakalyan Sahakari Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for PANVEL
Payment Systems Supported by JSBL0000023
| 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—400105023—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 Janakalyan Sahakari Bank in PANVEL typically follows the RBI holiday calendar. Digital transfers via JSBL0000023 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 JSBL0000023 is the valid code for PANVEL at PANVEL, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Financial Tools
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Branch Context
- • PANVEL Contact
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Platform Links
- • Anand Design DevBox
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- • Webmaster Tools
- • IFSC Finder v2.0
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