TJSB Sahakari Bank — PHONDAGHAT Branch

How to Use TJSB0000196 for Money Transfers

The IFSC code TJSB0000196 is specifically assigned to the PHONDAGHAT branch of TJSB Sahakari Bank located in SINDHUDURG, MAHARASHTRA. This unique code is mandatory for routing electronic payments correctly within India.

NEFT Transfer

Use TJSB0000196 when adding this branch as a beneficiary in NEFT transactions. NEFT operates in half-hourly batches from 12:30 AM to 12:00 AM on all days. Enter the IFSC, account number, and account holder name carefully to ensure successful transfer.

RTGS Transfer

For high-value transactions above ₹2 lakh, RTGS offers real-time gross settlement. Use TJSB0000196 along with the beneficiary's exact account number. RTGS is available on working days from 7:00 AM to 6:00 PM.

IMPS & UPI

IMPS and UPI allow instant 24×7 transfers. While UPI apps often auto-resolve the IFSC from the VPA, mobile banking apps require TJSB0000196 when registering a new beneficiary.

Always double-check the account number before confirming any transfer — the IFSC routes funds to the correct branch, but the account number specifies the exact recipient.

About TJSB Sahakari Bank PHONDAGHAT Branch

The PHONDAGHAT branch of TJSB Sahakari Bank is situated in SINDHUDURG, MAHARASHTRA. The branch address is PHONDAGHAT GRAMPANCHAYAT NO 635 GROUND FLOOR PHONDAGHAT TAL KANKAVLI DIST SINDHUDURG PIN NO 416 601. This branch supports electronic payment services including NEFT, RTGS, IMPS, and UPI. Always use the IFSC code TJSB0000196 when making any online fund transfer to an account held at this branch.