For digital banking and online financial transactions in India, one essential element that makes sure of a seamless and accurate fund transfers is the IFSC Code. If you are sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to route your payment to the right branch. And so, in case you are searching for the IFSC Code of Jana Small Finance Bank Ltd for its Bagnan branch in Haora, Howrah, West Bengal, this comprehensive guide will provide you with detailed information.
The banking system in India has changed significantly over the years, and today customers of Jana Small Finance Bank Ltd located in Haora or anywhere in West Bengal can transfer funds instantly by using the correct IFSC Code JSFB0004781. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.
Details of IFSC Code for Jana Small Finance Bank Ltd, Bagnan, Haora
Below in the table are the key details related to IFSC Code JSFB0004781 of Jana Small Finance Bank Ltd for its branch located in Haora, within the district of Howrah in the state of West Bengal.
| Particulars | Details |
|---|---|
| Bank | Jana Small Finance Bank Ltd |
| IFSC Code | JSFB0004781 |
| Branch | Bagnan |
| City | Haora |
| District | Howrah |
| State | West Bengal |
| Address | Cosmo Bazar, Bagnan Station Road, Bagnan, West Bengal, Pin 711303 |
These details helps users in online banking and for businesses and individuals who use Jana Small Finance Bank Ltd in Haora for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code JSFB0004781 for the Bagnan branch of Jana Small Finance Bank Ltd plays a vital role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Jana Small Finance Bank Ltd located in Bagnan, Haora, West Bengal, are allotted a unique IFSC like JSFB0004781 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Haora.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Haora and Howrah.
- It reduces errors in fund transfers and improves accuracy.
- It helps the sender banks to validate and confirm branch details before processing payments.
It makes sure that money sent to Jana Small Finance Bank Ltd in Bagnan reaches the right place, even though there are thousands of branches in West Bengal and across India.
Format of the IFSC Code JSFB0004781
The format of the IFSC Code for banks, including Jana Small Finance Bank Ltd, follows an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): Show the bank code. For Jana Small Finance Bank Ltd, these letters represent the bank's short name.
- 5th character: Is always zero and is kept for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Bagnan in Haora.
For example, the IFSC Code JSFB0004781 of Jana Small Finance Bank Ltd for the Bagnan branch includes these elements, identifying the bank and the branch location in Haora and West Bengal accurately.
How to Find IFSC Code for Jana Small Finance Bank Ltd?
If you are trying to find the IFSC Code JSFB0004781 of Jana Small Finance Bank Ltd for its Bagnan branch located in Haora, the following methods can help:
Cheque Book
The cheque book issued by Jana Small Finance Bank Ltd includes the IFSC Code printed on each cheque leaf which you can easily spot on the top section.
Passbook
You can easily find the IFSC and MICR codes because most banks, including Jana Small Finance Bank Ltd branches in Haora and Howrah, print them on the first page of your passbook.
Bank Website
Visit the official website of Jana Small Finance Bank Ltd and navigate to the branch locator section. Search for Bagnan or Haora to get the exact IFSC Code JSFB0004781.
Mobile Banking App
If you use Jana Small Finance Bank Ltd's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India keeps an updated list of all IFSC codes. If you search for Jana Small Finance Bank Ltd and Haora, you'll get the correct details.
How to Use IFSC Code JSFB0004781 for Online Transfers?
Once you have the IFSC Code JSFB0004781 for the Bagnan branch of Jana Small Finance Bank Ltd in Haora, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code JSFB0004781. The transfer is completed in batches. It is useful for both personal and business payments.
RTGS
Used for payments over ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Requires the recipient's account details and Jana Small Finance Bank Ltd IFSC Code JSFB0004781.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Jana Small Finance Bank Ltd Bagnan in Haora, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for cheque clearance and are very different from IFSC codes. If you are looking for the MICR code of Jana Small Finance Bank Ltd in Bagnan, here are some of the ways you can get it:
- Check the bottom of your cheque leaf.
- Refer to the first page of your passbook.
- Visit the official Jana Small Finance Bank Ltd website.
- Search the RBI portal.
Knowing both IFSC and MICR code can help account holders in Haora manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code is JSFB0004781.
Yes, but it can change if the bank merges or goes through restructuring.
No. MICR is for cheque clearing; IFSC is for online transfers.
You can find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is Cosmo Bazar, Bagnan Station Road, Bagnan, West Bengal, Pin 711303 located in Haora, Howrah, West Bengal.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.