Kallappanna Awade Ichalkaranji Janata Sahakari Bank
LAXMI ROAD BRANCH
+912024457874
Understanding IFSC Code: The Digital DNA of Kallappanna Awade Ichalkaranji Janata Sahakari Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the LAXMI ROAD
branch of Kallappanna Awade Ichalkaranji Janata Sahakari Bank, the code KAIJ0000011 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 KAIJ0000011 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"KAIJ" represents Kallappanna Awade Ichalkaranji Janata Sahakari Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for LAXMI ROAD
Payment Systems Supported by KAIJ0000011
| 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—411174260—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 Kallappanna Awade Ichalkaranji Janata Sahakari Bank in PUNE typically follows the RBI holiday calendar. Digital transfers via KAIJ0000011 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 KAIJ0000011 is the valid code for LAXMI ROAD at PUNE, 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
- • LAXMI ROAD Contact
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Platform Links
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