Jana Small Finance Bank (Jana) IFSC Code — Complete Guide
Jana Small Finance Bank was established in 2018, evolving from Janalakshmi Financial Services (JFS), one of India's largest urban microfinance institutions. With 700+ branches across 22 states, Jana SFB focuses on microfinance, retail banking, and affordable credit for low-income urban households. The bank has a strong presence in Karnataka, Maharashtra, Tamil Nadu, and Telangana.
How to Find Jana IFSC Code
- Use the search tool above — select state, district and branch
- Check your Jana cheque book — IFSC printed at top of every leaf
- Open your Jana passbook — front page shows IFSC code
- Log in to Jana net banking → Account Details
Using Jana IFSC for Transfers
- NEFT: Enter IFSC when adding beneficiary. Settled in 30 minutes.
- RTGS: For transfers above ₹2 lakh. Settled in real time.
- IMPS: 24×7 instant transfers up to ₹5 lakh.
- International: Use SWIFT code JSFBINBB (not IFSC) for overseas transfers.
Are Small Finance Bank Deposits Safe?
Yes. All Small Finance Banks are regulated by the Reserve Bank of India (RBI) under the Banking Regulation Act, 1949. Deposits up to ₹5 lakh per depositor are insured under the Deposit Insurance and Credit Guarantee Corporation (DICGC). SFBs typically offer higher interest rates on savings accounts and FDs than commercial banks.
NEFT, RTGS and IMPS Availability
- NEFT: Available 24×7. All SFBs are fully NEFT-enabled. Settled every 30 minutes.
- RTGS: Available 24×7. Minimum ₹2 lakh. Suitable for high-value transfers.
- IMPS: 24×7 instant transfers. All SFBs support IMPS up to ₹5 lakh.
Why SFBs Have Unique IFSC Codes
Each Small Finance Bank branch has its own unique IFSC code just like any scheduled commercial bank. SFBs participate fully in India's electronic payment network (NEFT/RTGS/IMPS) and have IFSC codes assigned by RBI. The first 4 characters identify the SFB, and the last 6 identify the specific branch.