Branch Details — TJSB0000196
| Bank Name | TJSB Sahakari Bank |
| Branch Name | Phondaghat |
| IFSC Code | TJSB0000196 |
| MICR Code | 416109009 |
| Bank Code (RBI) | TJSB |
| Branch Code | 000196 |
| Address | PHONDAGHAT GRAMPANCHAYAT NO 635 GROUND FLOOR PHONDAGHAT TAL KANKAVLI DIST SINDHUDURG PIN NO 416 601 |
| City | Sindhudurg |
| District | Phondaghat |
| State | Maharashtra |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using TJSB0000196
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC TJSB0000196.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC TJSB0000196.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is TJSB0000196. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at TJSB Sahakari Bank Phondaghat branch, Sindhudurg, Maharashtra.
The MICR code is 416109009. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: PHONDAGHAT GRAMPANCHAYAT NO 635 GROUND FLOOR PHONDAGHAT TAL KANKAVLI DIST SINDHUDURG PIN NO 416 601. Branch timings: Monday–Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 1:30 PM (closed 2nd/4th Saturdays).
TJSB identifies TJSB Sahakari Bank. The 5th character 0 is reserved by RBI. The last 6 characters 000196 identify the Phondaghat branch.
Yes. TJSB Sahakari Bank Phondaghat Branch (IFSC: TJSB0000196) is fully enabled for NEFT, RTGS, IMPS, UPI, available 24×7 including weekends and holidays.
Log in to your bank's net banking or mobile app → Fund Transfer → Add Beneficiary → enter account number and IFSC TJSB0000196 → select NEFT/RTGS/IMPS → confirm with OTP.