IFSC Code of Jana Small Finance Bank Limited, Ayodhya Branch, Uttar Pradesh

Below are the complete branch details for Jana Small Finance Bank Limited, AYODHYA branch, located in AYODHYA, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is JSFB0004016. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case JSFB0004016 for Jana Small Finance Bank Limited – AYODHYA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Jana Small Finance Bank Limited – AYODHYA is JSFB0004016. The first four letters JSFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004016 map to this branch in AYODHYA, UTTAR PRADESH.

Branch details at a glance

Bank profile

Jana Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ayodhya branch — IFSC JSFB0004016 — extends the bank's services to customers in and around Ayodhya, Uttar Pradesh.

About this branch

The branch is located at JANA SMALL FINANCE BANK LTD,GROUND FLOOR& FIRST FLOOR,PROPERTY BEARING NO.-8-2-25,REKABAGANJ FAIZABAD,AYODHYA,UTTAR PRADESH TEHSIL SADAR DISTT.AYODHYA 224001. It serves the Ayodhya region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Jana Small Finance Bank Limited. The IFSC JSFB0004016 is used to identify this branch on the RBI payments network.

Why every Jana Small Finance Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including AYODHYA of Jana Small Finance Bank Limited — its own 11-character IFSC. The code JSFB0004016 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC JSFB0004016 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC JSFB0004016

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 JSFB0004016 across all three.

NEFT to Jana Small Finance Bank Limited, AYODHYA using IFSC JSFB0004016

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 JSFB0004016, and confirm that the system picks up Jana Small Finance Bank Limited – AYODHYA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC JSFB0004016

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Jana Small Finance Bank Limited – AYODHYA, ensure your bank's portal accepts IFSC JSFB0004016 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jana Small Finance Bank Limited AYODHYA (IFSC JSFB0004016)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0004016 in your mobile or internet banking app, and the money is credited to the AYODHYA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ayodhya

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC JSFB0004016:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at AYODHYA is still linked to IFSC JSFB0004016.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC JSFB0004016

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Jana Small Finance Bank Limited – AYODHYA is still mapped to IFSC JSFB0004016. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC JSFB0004016 and the beneficiary's account number to complete the transfer.

Account types you can open at the Ayodhya branch

Once you have an account at Jana Small Finance Bank Limited – AYODHYA, the IFSC JSFB0004016 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Ayodhya 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 JSFB0004016

MICR & cheque-truncation details

Cheques drawn on the Ayodhya branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JSFB0004016 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC JSFB0004016

Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AYODHYA branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC JSFB0004016 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Jana Small Finance Bank Limited – AYODHYA:

• The IFSC is exactly JSFB0004016 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Jana Small Finance Bank Limited as the bank name and AYODHYA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Ayodhya branch sits at JANA SMALL FINANCE BANK LTD,GROUND FLOOR& FIRST FLOOR,PROPERTY BEARING NO.-8-2-25,REKABAGANJ FAIZABAD,AYODHYA,UTTAR PRADESH TEHSIL SADAR DISTT.AYODHYA 224001. If you are travelling from outside Ayodhya, search for the branch on a maps application using the bank name and locality, or call 7906963860 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 JSFB0004016 and your account number.

Verifying IFSC JSFB0004016 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 JSFB0004016 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7906963860.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ayodhya 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 JSFB0004016 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JSFB0004016 belongs to Jana Small Finance Bank Limited's AYODHYA branch, located at JANA SMALL FINANCE BANK LTD,GROUND FLOOR& FIRST FLOOR,PROPERTY BEARING… in AYODHYA, UTTAR PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.