Thane Janata Sahakari Bank IFSC and MICR Code:

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Thane Janata Sahakari Bank (TJSB) IFSC Code:

One of the safest and the most secure ways to settle payments online in the country today is through the National Electronic Funds Transfer (NEFT) and Real Time Gross Settlement (RTGS) in the banking channel. Thane Janata Sahakari Bank Ltd. (TJSB) enables its customers to use both NEFT and RTGS. You can send money quickly and efficiently within India to any other bank account at any point of time. As both the systems are processed in the books of RBI, it is reliable and safe.

According to RBI rules, for you to transfer funds successfully to a beneficiary, you will have to know the IFSC (Indian Financial System Code) of the beneficiary account’s bank branch. The IFSC code is assigned by the RBI to all the banks that facilitate NEFT transfers. It serves as an identification of each branch of all the banks as it is unique to each. IFSC code is crucial in a NEFT/RTGS transfer as it identifies the destination bank’s branch in a particular transaction. It is a very vital feature in a financial transfer and without it, online transactions cannot occur.

The IFSC code contains both alphabets and numbers and is 11-character long. The bank’s name is denoted by the first 4 alphabetic characters, the fifth position is by default zero(0) for future use and the participating branch’s name is represented by the last characters which may be numeric or alphabetic. TJSB0000107 is the IFSC code for the Panaji branch of Thane Janata Sahakari Bank located in the North Goa district of Goa. TJSBrepresents the name of the bank, Thane Janata Sahakari Bank Ltd., the fifth position remains zero and the last six numbers 000107is the branch identity for Panaji.

How to Search for Thane Janata Sahakari Bank (TJSB) IFSC and MICR Codes?

IFSC and MICR codes are key prerequisites for an online money transfer. Once you know the IFSC code of the beneficiary’s bank branch, account number, along with other general details of the bank, an NEFT/RTGS transfer is a cake-walk. IFSC code aids in this paperless, hassle-free, error-free payment settlement. The IFSC code of any particular branch of a bank is printed on the cheque leaves given by the bank at the time of opening of the account. You can also call the bank or visit the branch personally and ask for the IFSC code of the branch.

IFSC code list along with the NEFT enabled banks can be found on various websites. The first being RBI’s official site, where you can see all the bank names with their respective IFSC and MICR codes. Then there is always the official homepage of the bank you are transferring funds to. It almost always has a page or a pdf document with all its branch names and details.

Numerous third-party websites display all bank branch details upon search, for free and within seconds. One of the examples of an external website is BankBazaar. You can easily obtain IFSC, MICR codes and other important details of the bank on this website, easily. Among its resources on the homepage, you will find a tab that says, ‘Bank IFSC code’. This will give you a list of all the banks available. Go for ‘Thane Janata Sahakari Bank’ and from the drop down menus, select the respective state, district and branch name. The website instantly generates all the necessary details required for an online financial transaction, such as IFSC, MICR code and other detailed information such as address and phone number.

NEFT and RTGS both systems are managed and maintained by Reserve Bank of India. For making a successful a NEFT/RTGS payment, you will have to submit the following details:

  • Amount to be transferred.
  • Account number of the sender.
  • Name of the recipient.
  • Name of the recipient’s bank.
  • Name of the recipient’s bank branch.
  • IFSC code of recipient bank’s branch.
  • Account number of the recipient.
  • Any information to be sent to the recipient.


NEFT works on Deferred Net Settlement basis. The transaction are settled in hourly batches by the RBI. At present, during weekdays from 09:00am to 07:00pm, there are 12 settlements that take place and on Saturdays, the timings are 09:00am to 01:00pm. The transactions initiated in the last batch are processed either on the same day or the next day. Whereas, the transactions that are put through until 5pm on weekdays and until 12pm on Saturdays, are usually successful on the same day and the beneficiary receives credit on the day the request is made.

Charges on Outward Remittance (NEFT):

TJSB charges for each outward remittance based on the value of the transaction.

  • Amount upto Rs.10,000 – Rs.2.50 per transaction
  • Rs.10,000 to Rs.1 lakh – Rs.5 per transaction
  • Rs.1 lakh to Rs.2 lakh – Rs.15 per transaction
  • Above Rs.2 lakh – Rs. 25 per transaction


RTGS is a quick money transfer mode and the processing is ‘real time’ as it is completed as soon as the instruction is received. It follows the gross settlement mechanism in which the transaction is settled independently. Customers of Thane Janata Sahakari Bank can use RTGS to make quick safe and secure online payments as it’s the fastest mode of fund transfer electronically.

Charges on Outward Remittance (RTGS):

TJSB levies charges on each RTGS transaction made through the bank. The charges are as follows:

  • Rs.2 lakh to Rs.5 lakh – Rs. 25 for every transaction
  • Above Rs.5 lakh – Rs.50 for every transaction

The Thane Janata Sahakari Bank Ltd. was founded in 1972 and with a combined effort of their clients, staff and the Board of Directors, TJSB emerged as one of the country’s top multi-state scheduled co-operative bank. With 110 branches at present, TSJB has seen extraordinary success since its inception. The Thane Janata Sahakari Bank, known for being tech-savvy, has a network of 114 ATMs and is the first bank in India to device an Automated Cheque Issuance Machine.

News Related to Thane Janata Sahakari Bank IFSC Code
  • Thane Co-op Bank, Branches to be opened in Other States

    A prominent cooperative bank based in Maharashtra, the Thane Janata Sahakari Bank (TJSB), has made a landmark decision to open their branches in other states. As of now they are targeting to start branches in states like Goa, Karnataka and Gujarat, as stated by the bank’s high-up officials. Mr. Vidyadhar Vaishampayan, chairman of TJSB announced at a media conference this month that the bank intends to start two offices in Goa (Margao & Ponda), three branches in Gujarat and one branch in Karnataka. There is already on TJSB branch in Mapusa. The Reserve Bank of India (RBI) too has given consent to the bank to start as many as 20 branches during the present fiscal. It will be a straight jump from 63 to 83. The bank moved in Goa and Karnataka zone around six months ago and has gained positive reaction from users. Using IFSC Code, customers can easily transfer money to any account instantly from their accounts. They mainly plan to target SMEs in Goa. Mr. Satish Utekar, the CEO of the bank reported a net business of INR 7000 crore, implying a growth of 28 percent.

    7th March 2016

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