Tjsb Sahakari Bank LTD. SWIFT/BIC code

TJSKINBB – the SWIFT/BIC code of Tjsb Sahakari Bank LTD.

Whether a recipient gives you TJSKINBB or TJSKINBBXXX, you are looking at the identical address for Tjsb Sahakari Bank LTD. in India. A BIC does one job: it ensures that money from abroad reaches the right bank. In practice you mostly see it on international invoices, in payment forms and on the account details that Tjsb Sahakari Bank LTD. provides.

Further down we go through the practical questions: receiving money at Tjsb Sahakari Bank LTD., paying someone in another country and how to verify the code before you hit send. A SWIFT code names a bank or branch, never a single account, which is why you always need the account number too.

Transfer times and tracking a payment to Tjsb Sahakari Bank LTD.

There is no fixed delivery time for every transfer: many land within a day. Transfers sent late in the day or just before a weekend or public holiday usually go out the next business day. Occasionally a bank wants to know what the payment is for before releasing it.

When a payment takes longer than expected, ask your bank about the tracking status or the UETR. Keep the payment confirmation; it contains the details a bank needs to start a trace.

The bank that sent the money is able to request a trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, you can check your statements for a partial amount because fees can reduce the amount.

A note on our data

We collect bank codes using public sources and check our list regularly. Even so, banks merge or retire codes and our data may lag behind. Figures such as the number of codes come from our directory.

Treat this page as a starting point, rather than as the last word – the bank details from the recipient are leading. We are an independent comparison service for money transfers and not part of Tjsb Sahakari Bank LTD.. Spotted outdated information? Tell us via our contact form so we can correct it.

Paying someone abroad from your Tjsb Sahakari Bank LTD. account

If you transfer money abroad via Tjsb Sahakari Bank LTD., the fee you see is rarely all of the cost. On top of a fixed fee, correspondent or intermediary banks may take a cut, and when currencies are converted, the bank often applies a rate that is less favourable than the actual market rate.

Most of the cost usually sits in the exchange rate: many banks convert using an exchange rate with a margin built in. A simple test: set the bank’s rate next to the mid-market rate and work out the difference on your amount.

For a lot of currency pairs, a specialist provider is cheaper than a traditional bank transfer – mostly thanks to the rate. Before your next transfer, it is worth comparing what arrives via GoldexPay rather than accepting the bank’s rate by default. You can always keep your account at Tjsb Sahakari Bank LTD. as the source of the money.

TJSKINBB or TJSKINBBXXX – which one to use?

A SWIFT code is made up of a few fixed parts: characters one to four stand for the bank, the next two show the country and characters seven and eight mark the location. The result is TJSKINBB for Tjsb Sahakari Bank LTD..

The 11-character version adds three more characters that identify a branch or department. When those three characters are XXX, the code points to the head office.

As a rule the code is typed in capitals. Pasting the code is safer than retyping it.

Indian Rupee (INR) and conversion costs

India pays in the Indian Rupee (INR). A payment in a foreign currency is converted into INR before it reaches the account – and the bank that does it picks the rate. Every conversion costs the amount.

Which bank converts the payment matters: every bank has its own margin. Often you pay less to send INR straight away via a transfer service with a good rate, so that the receiving bank does not need to convert again.

The INR rate fluctuates constantly and quotes are often valid only for a short time. With bigger transfers, even seemingly small gap in the rate can be worth more than the fee.

What to give a sender who pays you at Tjsb Sahakari Bank LTD.

When you are waiting for money from abroad, give the sender all details at once. Share the account holder’s name, the IBAN or account number, the BIC TJSKINBBXXX and your address.

Their bank may also ask for the bank address of Tjsb Sahakari Bank LTD.; the head office in Thane is usually fine. Check the details before you share them.

An incoming payment will not always arrive in full. Intermediary banks may deduct a fee, and if the currency changes, a markup on the rate applies. Agree with the sender who covers the fees, especially for larger amounts.

Tjsb Sahakari Bank LTD.: head office code versus branch codes

With 5 codes, Tjsb Sahakari Bank LTD. is one of the banks that register individual codes for parts of the organisation and departments. The head office code is TJSKINBBXXX.

If nobody asks you for a branch code, use TJSKINBBXXX. Only use a branch code when the recipient explicitly asks for it, for example on an invoice or in their bank details.

Unsure which code applies? Check with the recipient. Branch codes can change over time, so a code from an old document is not always valid.

Watch out for payment fraud

Criminals often send payment requests with changed bank details sent from what looks like a familiar address. A correct SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Verify changed bank details through a separate channel, not by replying to the message. Be suspicious of time pressure, unusual wording or a sender address that is slightly off. If money has already gone to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

Recipients can be targeted as well: one known trick is an overpayment and then sends a request to refund the difference to another account. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Is TJSKINBB still correct? How to check

The most reliable source for a SWIFT code is the recipient’s own bank details: an invoice, a bank statement or their online banking. Compare that code against TJSKINBB on this page; if they differ, ask before you pay.

A wrong SWIFT code can cause a delay, a returned payment or additional charges along the way. Do not forget the IBAN: a mistake there can be more difficult to correct than a wrong BIC.

Many banking apps validate the structure of an IBAN and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. Some banks now compare the name against the account; take any warning seriously. For a first payment, some people start with a small amount first before sending the rest.