Kallapanna Awade Ichalkaranji Janata Sahakari Bank Ltd.
 

ABOUT KAIJS BANK

A leading bank of South Western Maharashtra. Promptly serving you through a network of 45 fully computerized branches spread across Maharashtra and Karnataka state. Total Deposits of more than 1555,85.64 Crores, Loans 1083,56.16 Crores and Working Capital of 1818,72.39 Crores. Net Profit of Rs. 10,22.26 Crore with continuous 'A' Audit Classification.

INDUSTRIAL AND AGRICULTURE FINANCE

Our bank has co-opted by Small Industrial Development Bank of India for implementation of Technology up gradation Funds Scheme of 5% interest rate subsidy allocated/alloted by the Central Govt. for the development of textile industrial sector. We are also financing for the development of S.S.I, units under the National Equity Funds Scheme as per the SIDBI Scheme.
Our bank is nodal member of NABARD and eligible for finance facility from the Development Bank. We are always acheiving the targets of GOI under agriculture finance.

BRANCH EXPANSION

The area of Operation of bank is whole revenue area of Maharashtra State& Dharwad, Hubli, & Gadag District of Karnataka state. To meet the growing needs of banking facilities to large sections of people the bank has opened its branches at Bhende Galli- Kolhapur, Shirol, Jaysingpur, Peth Vadgaon, Gandhinagar-Kolhapur, Shahupuri-Kolhapur,Main Branch, New Industrial Estate- Ichalkaranji, Kalbadevi Road- Mumbai, Laxmi Road- Pune, Hupari, Gargoti, Gadhinglaj, Ajara, Karad, Vasant Market Yard- Sangli, Sulkud (Tal.-Kagal), Gaonbhag - Ichalkaranji, Mulund(W.)-Mumbai, Solapur, Ganpati Peth-Sangli, Market Yard- Pune, Jawaharl Nagar inchalkaranji, Nashik ,Kothrud Pune,Aurangabad and Laxmi Audyogik Vasahat, Hatkanangale,Latur, 5 star MIDC Kagal, Shahapur- Ichalkaranji, Jalna, Ahmadnagar, Thane, Hubli & Navnagar Hubli, Rajarampuri-Kolhapur, Hadapsar-pune, Bhosari-pune.The Deccan Co-op. Urban Bank Ltd., Pune sick bank has been amalgamated with our bank and we have started business from 1.7.1994. Bank has one off-site ATM at Dattajirao Kadam Technical & Engineering College, Ichalkaranji, Nipani, Alas and Bengalor.

More Facts

INDUSTRIAL AND AGRICULTURE FINANCE

Our bank has co-opted by Small Industrial Development Bank of India for implementation of Technology up gradation Funds Scheme of 5% interest rate subsidy uncounted by the Central Govt. for the development of textile industrial sector. We are also financing for the development of S.S.I, units under the National Equity Funds Scheme as per the SIDBI Scheme.
Our bank is nodal member of NABARD and eligible for finance facility from the Development Bank. We are always acheiving the targets of GOI under agriculture finance.


MICRO FINANCE

As a social responsibility, Bank has contributed towards micro finance by lending almost to 600 grops with above Rs. 150 lacs. And we are proud to say that all these accounts are regular and performing assets.


SOCIAL AWARENESS

The bank is aware of its social obligation. The bank management is rendering help for the public cause such as financial help to public school and contribution to prompt technical education activities being instituted by the Dattajirao Kadam Technical Education Society, Babasaheb Khanjire Institute and other institutes. The bank has started separate cell of "Microfinance" to help SHG members/groups and around 250 groups have been registered with financial assistance to the tune of Rs. 35 lacs. Bank has also participated in the debt-related program of government of India & state government, waiving debt of agriculturists to the extent of Rs. 3.38 crores.


BRANCH EXPANSION

The area of Operation of bank is whole revenue area of Maharashtra State. To meet the growing needs of banking facilities to large sections of people the bank has opened its branches at Bhende Galli- Kolhapur, Shirol, Jaysingpur, Peth Vadgaon, Gandhinagar, Shahupuri-Kolhapur,Main Branch, New Industrial Estate- Ichalkaranji, Kalbadevi Road- Mumbai, Laxmi Road- Pune, Hupari, Gargoti, Gadhinglaj, Ajara, Karad, Vasant Market Yard- Sangli, Sulkud (Tal.-Kagal), Gaonbhag - Ichalkaranji, Mulund(W.)-Mumbai, Solapur, Ganpati Peth-Sangli, Market Yard- Pune, Jawaharlal nagar inchalkaranji, Nashik ,kothrud Pune,Aurangabad and Laxmi Audyogik Vasahat, Hatkanangale,Latur, 5 star MIDC Kagal, Shahapur- Ichalkaranji, Jalna, Ahmadnagar, Thane.The Deccan Co-op. Urban Bank Ltd., Pune sick bank has been amalgamated with our bank and we have started business from 1.7.1994. Bank has one off-site ATM at Dattajirao Kadam Technical & Engineering College, Ichalkaranji. Also Reserve Bank of India has permitted to open new three branches at Latur, Kagal MIDC & Shahapur, Ichalkaranji.


SERVICE TO THE CUSTOMERS

The Kaijs Bank is providing various services to the customers in many ways, such, as -

1. Bills collection facility.
2. Safe deposit lockers facility.
3. Monthly salary payment of major institutions.
4. Banking facilities like commercial & Nationalized Banks.
5. loans and advance at reasonable rates to small and cottage industries.
6. Always prompt and cordial service.
7. ATM facility at Main Branch Ichalkaranji, Nasik, Aurangabad, Kotharud-Pune, Gaonbhag-Ichalkaranji, Jaysingpur, Shahupuri-Kolhapur and Peth Vadgaon, Gultekadi-Pime, Industrial Estate-Ichalkaranji, Solapur etc. All the 12 branches plus one off-site ATM at Dattajirao Kadam Technical & Engineering College, Ichalkaranji.
8. Internet facility is available in all computerized branches.
9. Web site- www.ijsbank.com
10. Life & General Insurance Services.
11. PAN Card services.
12. Inward & Outward RTGS facilities.
13. Franking facility is available at Main Branch-Ichalkaranji & Shahupuri-Kolhapur branch.
14. E-payment of Government obligation.
15. Under Income Tax Act, Section 80C Deposit Scheme recognized for special incentive.
16. Interest free loan for purchasing LAPTOP for the Teachers, Students, Professors 8s Agriculturists.
17. BANCS network is available for our ATM card holders at 5000 ATM centers of 32 banks ATMs.


PRIORITY SECTOR LENDING

The bank has fulfilled its statutory obligation of lending to the "Priority Sector". Out of its total advances, 75% is given to promote industry and trade and out of its about 62% advances are for Priority Sector, the bank has been lending more than 26% to Weaker Section of the community, as per government policy.


BANK PROPERTIES

At present bank has its own buildings at Ichalkaranji, Main building named as "JANATA BANK BHAVAN" and another at Industrial Estate, in Kolhapur at Shahupuri, in Mumbai at Kalbadevi Road, in Pune at Laxmi Road, Shirol, Peth Vadgaon and Jaysingpur and at Mulund (W.) - Mumbai, Gaonbhag-Ichalkaranji. Bank has also purchased land about 45,000 Sq. ft. for administrative office at Ichalkaranji.


EMPLOYEE WELFARE

Total No. of staff member is 450 at present working in the bank. Adequate measures are taken to open avenues for promotion to lower level staff such as Clerks, through examination and re-orientation training through cooperative department, Reserve Bank of India, etc. Pay-scales of the staff are revised from time to time. Housing finance, at low rate of interest vehicle loans also at low rates etc. are also made available to the employees. To take care of health of all employees and their family members, bank has taken health Insurance of their family, where the member of family is benefited to the extent of Rs. 50.000/- on medical reimbursement. Further, a health check-up camp for all the employees was undertaken to keep healthy and active. There is system of awarding outstanding performer by ways of gift or increment for business development, recovery etc.The result is the excellent industrial relation that exists between the staff and the Management. Two representatives of the employees are also on the board. The bank is sending constantly its staff and officers for training. Bank is spending every year for the staff training proposes.


CORE BANKING SOLUTION

Our bank has implemented Core Banking Solution system and is likely to be completed at all our branches up to March 2010. We have also tied-up for ATMs at "BANGS" network and all our ATM card holders can operate through 5000 ATMs all over India.


CBS FACILITY

We have developed the fully equiped Data center at the Jaysingpur and all branches are connected by leased line and backup line is ISDN, DR site is hosted at TJSB, Pune.

Following services are already started.
a) CBS Module
b) Any brabch banking
c) Teller system
d) IBT- Internet branch trensactions
e) MIS
f) At par cheque facility
g) Centralized Clearing system

Following services are started in this financial year
a) BANCS ATM Network- Issuer Transactions.
b) RTGS Facility
c) SMS Banking
d) Anti Money Loundering

Following services will be started in next financial year
a) Internet Banking
b) NFS ATM Network - Issuer and Acquire Transactions.
c) NEFT facility
d) Data Center sharing to otjer banks.



ANTI MONEY LOUNDERING

Anti Money Loundering Software has been implemented at on Head Office.


MULTI STATE STATUS

Bank has taken a decision regarding the expansion of its area of the operation to providing banking service to Gujarat and Karnataka state. In this regard, we have got permission from R.C.S. Karnataka State and Maharashtra State. We taken over a small unit bank from Karnataka.

Estd.: 7.2.1963 Regd. No. KPR/BNK/102/5.11.1962
RBI BANKING LICENCE NO. ACD .MH. 297 P. Dt. 27.4.1982.
AREA OF OPERATION The whole revenue area of Maharashtra State.
SCHEDULED STATUS 29 January, 2000.
HEAD OFFICE Main Road, ICHALKARANJI- 416 115
BRANCHES 44 Branches + H. O.



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Kallapanna Awade Ichalkaranji Janata Sahakari Bank Ltd.

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