If you are searching for the IFSC code of Jana Small Finance Bank Limited, AGERA branch in AGERA, MADHYA PRADESH, this page has every detail you need. The verified IFSC code for this branch is JSFB0004898. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the AGERA branch, and detailed step-by-step guides for using the IFSC JSFB0004898 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, JSFB0004898 is the IFSC of Jana Small Finance Bank Limited's AGERA branch. The format is fixed: JSFB = bank code, 0 = reserved, 004898 = branch identifier.
About Jana Small Finance Bank Limited
Jana Small Finance Bank Limited operates a wide network of branches across India, including the Agera branch in Agera. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, JSFB0004898.
Branch details at a glance
| Bank Name | Jana Small Finance Bank Limited |
|---|---|
| Branch | Agera |
| IFSC Code | JSFB0004898 |
| MICR Code | Refer to cheque leaf |
| Branch Address | JANASMALLFINANCEBANKLTD,GRAMAGHERATEHSIL,SONKASHDIST,DEWAS455118 |
| City | Agera |
| District | Dewas |
| State | Madhya Pradesh |
| Phone | 6362078816 |
About the Agera branch
The Agera branch of Jana Small Finance Bank Limited is situated at JANASMALLFINANCEBANKLTD,GRAMAGHERATEHSIL,SONKASHDIST,DEWAS455118. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code JSFB0004898 is used.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Jana Small Finance Bank Limited's AGERA branch came to be assigned the code JSFB0004898.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC JSFB0004898, money simply cannot be routed to the AGERA branch electronically.
Products and account variants supported
Every account opened at the Agera branch is mapped to IFSC JSFB0004898 on the RBI payments network. The branch generally supports the full retail product catalogue of Jana Small Finance Bank Limited, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains JSFB0004898.
Products and services
Customers walking into the Agera branch can access most of Jana Small Finance Bank Limited's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC JSFB0004898
How to transfer money using IFSC JSFB0004898
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC JSFB0004898 across all three.
NEFT to Jana Small Finance Bank Limited, AGERA using IFSC JSFB0004898
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC JSFB0004898, and confirm that the system picks up Jana Small Finance Bank Limited – AGERA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to AGERA
If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's AGERA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0004898 while initiating the transfer and the credit will appear within minutes.
IMPS to Jana Small Finance Bank Limited AGERA (IFSC JSFB0004898)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0004898 in your mobile or internet banking app, and the money is credited to the AGERA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC JSFB0004898 for Jana Small Finance Bank Limited – AGERA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – JSFB0004898 | Yes – JSFB0004898 | Yes – JSFB0004898 |
For most retail customers crediting the Agera branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Jana Small Finance Bank Limited's AGERA branch, the IFSC JSFB0004898 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Digital banking channels
Most day-to-day work that customers used to do at the Agera branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC JSFB0004898 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
MICR & cheque-truncation details
Cheques drawn on the Agera branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JSFB0004898 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC JSFB0004898
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Jana Small Finance Bank Limited – AGERA, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
JSFB0004898. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Agera branch sits at JANASMALLFINANCEBANKLTD,GRAMAGHERATEHSIL,SONKASHDIST,DEWAS455118. If you are travelling from outside Agera, search for the branch on a maps application using the bank name and locality, or call 6362078816 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC JSFB0004898 and your account number.
Verifying IFSC JSFB0004898 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm JSFB0004898 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6362078816.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Agera are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to JSFB0004898 continue to work without interruption.
Branch address & contact
Jana Small Finance Bank LimitedAgera Branch
JANASMALLFINANCEBANKLTD,GRAMAGHERATEHSIL,SONKASHDIST,DEWAS455118
Agera, Madhya Pradesh
Phone: 6362078816
IFSC: JSFB0004898
Frequently asked questions
How quickly will an NEFT transfer using JSFB0004898 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Jana Small Finance Bank Limited – Agera reflect within 30 minutes.
Can I use IFSC JSFB0004898 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC JSFB0004898 to send funds instantly.
Is IFSC JSFB0004898 valid for NEFT and RTGS?
Yes. IFSC JSFB0004898 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC JSFB0004898 the same for all accounts at Agera branch?
Yes. The IFSC JSFB0004898 is shared by every account held at Jana Small Finance Bank Limited's Agera branch. Only the account number changes from customer to customer.
What is the phone number of Jana Small Finance Bank Limited Agera branch?
You can reach the branch at 6362078816 during regular banking hours.
Does Jana Small Finance Bank Limited Agera branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6362078816 to confirm.
What is the IFSC code of Jana Small Finance Bank Limited Agera branch?
The IFSC code of Jana Small Finance Bank Limited, Agera branch is JSFB0004898. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: JSFB0004898 is the IFSC code of Jana Small Finance Bank Limited, AGERA branch, in AGERA, MADHYA PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
