State wise list of Jana Small Finance Bank Ltd IFSC code, MICR code and addresses of all branches in India
(used for RTGS and NEFT transactions)
|MICR Code||MICR not provided.|
|Bank||JANA SMALL FINANCE BANK LTD|
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The Indian Financial System Code (IFSC) code issued by the Reserve Bank of India (RBI) is a 11-digit code, which is used to specifically identify a bank branch. It is also used for electronic fund transfers made via NEFT, RTGS and IMPS. The code, which is a combination of alphabets and numbers, is different for each branch of a particular bank. For example, the IFSC code for the Jeevanbheemanagar branch of Jana Small Finance Bank is JSFB0004537, while for the Kengeri branch, the code is JSFB0004535.
The 11-digit code consists of three parts. The first part, which comprises the first four letters ‘JSFB,’ stands for the name of the bank i.e., Jana Small Finance Bank. The next character ‘0’, which is the second part, is for future reference. The third part, which consists of the remaining six numbers i.e ‘004537’, represents the specific branch code of the said bank. The Indian Financial System Code is required by individuals to transfer money using options like NEFT, RTGS, IMPS as well as through internet banking. It needs to be mentioned here that the correct IFSC code needs to be quoted for seamless funds transfer.
Here, we have compiled a list of the IFSC codes of a few branches of Jana Small Finance Bank located in Bengaluru. An individual can also find the details like open hours, mode of payment, remittance services along with the IFSC codes and details of the specific branch:
|IFSC Code||Open Hours (Monday to Saturday)||Mode of payment||Remittance Services||Bank Details|
|JSFB0004534||10:00 am to 4:00 pm||Cash, Cheque, Demand Draft and Net Banking||NEFT||Jana Small Finance Bank Limited Jayanagar JSFB0004534|
|JSFB0004536||10:00 am to 4:00 pm||Cash, Cheque, Demand Draft and Net Banking||NEFT||Jana Small Finance Bank Limited Koramangala JSFB0004536|
|JSFB0004746||10:00 am to 4:00 pm||Cash, Cheque, Demand Draft and Net Banking||NEFT||Jana Small Finance Bank Limited Kammanahalli JSFB0004746|
If an individual is looking for the IFSC and MICR codes of Jana Small Finance Bank, he/she can find it on the cheque book that is provided to them by the bank. Apart from the chequebook, the 11-digit and the 9-digit code can be also be found on the official websites of Jana Small Finance Bank and Reserve Bank of India. Some third-party financial websites and other fiscal comparison portals also provide the details regarding the same. BankBazaar, is one such website that provides information on IFSC and MICR codes of Jana Small Finance Bank. To get the details, all the individual needs to do is to visit the BankBazaar website, go to the bottom half of the page, and click on the link titled ‘Bank IFSC Code’. On doing so, they are redirected to a different page which shows 4 drop-down menus. They are required to select the particular bank, branch, state, and district, whose IFSC and MICR codes they are looking for. Once the options are selected, the website displays the details like IFSC code for the particular branch, MICR code, address and contact number for the branch.
Note: It needs to be mentioned that MICR stands for Magnetic Ink Character Recognition and is used to verify the originality of paper documents especially cheques to ease the process involved in the processing and clearance of it.
Jana Small Finance Bank offers individuals numerous methods to make worry-free and safe fund transfer transactions, not only to other JSFB bank branches but also to bank branches of other banks that operate in the country. Clients can conveniently make use of systems like NEFT, RTGS and IMPS for this purpose.
National Electronic Funds Transfer (NEFT) is a nationwide payment system that helps the individual facilitate one-to-one funds transfer in an easy, hassle-free and convenient manner. NEFT transactions carried out through mobile and internet banking has a daily limit of up to Rs 10 lakh. The minimum and maximum amount for NEFT transfers in a single go is Rs.1 and Rs.2 lakh, respectively. It needs to be mentioned that JSFB follows a set schedule of timings for carrying out NEFT transfers.
Real Time Gross Settlement (RTGS) is another quick method of money transfer where the transfers are done in real time. RTGS transactions have faster settlement cycles with the absence of inter-bank or clearing house settlement issues. Also, these transactions are not limited to the geographical boundaries of India. Just like with NEFT, RTGS too has a daily limit of Rs.10 lakh for transfers carried out using channels like mobile banking and internet banking. The minimum and maximum amount that can be transferred in a single go using RTGS method is Rs.2 lakh and Rs.10 lakh respectively.
IMPS (Immediate Payment Service) is another swift bank-to-bank electronic fund transfer service, offered by Jana Small Finance Bank. With IMPS, customers can easily send or receive funds. Just like the name suggests, money transfers carried out via IMPS gets credited to the receiver’s account within minutes.
|RTGS||Rs.2 lakh||Rs.10 lakh|
|NEFT Amount||Transaction Charges|
|Up to Rs.10,000||Rs.2.50 plus applicable GST|
|Above Rs.10,000 up to Rs.1 lakh||Rs.5 plus applicable GST|
|Above Rs.1 lakh up to Rs. 2 lakh||Rs.15 plus applicable GST|
|Above Rs.2 lakh up to Rs. 5 lakh||Rs.25 plus applicable GST|
|Above Rs.5 lakh up to Rs.10 lakh||Rs.25 plus applicable GST|
|RTGS Amount||Transaction Charges|
|Up to Rs.10,000||Not Applicable|
|Above Rs.10,000 up to Rs.1 lakh||Not Applicable|
|Above Rs.1 lakh up to Rs. 2 lakh||Not Applicable|
|Above Rs.2 lakh up to Rs. 5 lakh||Rs.25 plus applicable GST|
|Above Rs.5 lakh up to Rs.10 lakh||Rs.50 plus applicable GST|
An individual who is looking to make a NEFT or RTGS transaction with Jana Small Finance Bank might be required to provide the below information:
Jana Small Finance Bank is one of the 10 financial institutions which received in-principle approval from Reserve Bank of India in 2015 to set up a small finance bank. Headquartered in Bengaluru, the small finance bank has gone on to become one among the largest MicroFinance Institutions (MFI) in the country. It is also recognised globally as one of the financial institutions that is working on the problem of financial inclusion. The bank is currently enabling its existing 45 lakh customers across 19 states to access banking services. As of 31 March 2018, the bank has a Capital Adequacy Ratio (CAR) of about 35% and a loan book of 76 billion rupees. It needs to be mentioned that the bank aims to add four billion customers by 2020. The current employee strength of the bank is around 15,000.
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