If you are searching for the IFSC code of Jana Small Finance Bank Limited, BADURIA MUNCIPALITY branch in BADURIA MUNCIPALITY, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is JSFB0004668. 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 BADURIA MUNCIPALITY branch, and detailed step-by-step guides for using the IFSC JSFB0004668 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Jana Small Finance Bank Limited's BADURIA MUNCIPALITY branch, the IFSC JSFB0004668 breaks down as follows: JSFB identifies the bank, 0 is the reserved character, and 004668 identifies this particular branch.
Branch details at a glance
| Bank Name | Jana Small Finance Bank Limited |
|---|---|
| Branch | Baduria Muncipality |
| IFSC Code | JSFB0004668 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BADURIA CHOWMATHA, NEAR SBI, PO BADURIA, FIRST FLOOR, DIST 24 PARGANAS N, WEST BENGAL, PIN 743437 |
| City | Baduria Muncipality |
| District | North 24 Parganas |
| State | West Bengal |
Bank profile
Jana Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Baduria Muncipality branch — IFSC JSFB0004668 — extends the bank's services to customers in and around Baduria Muncipality, West Bengal.
About the Baduria Muncipality branch
The Baduria Muncipality branch of Jana Small Finance Bank Limited is situated at BADURIA CHOWMATHA, NEAR SBI, PO BADURIA, FIRST FLOOR, DIST 24 PARGANAS N, WEST BENGAL, PIN 743437. 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 JSFB0004668 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 BADURIA MUNCIPALITY branch came to be assigned the code JSFB0004668.
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 JSFB0004668, money simply cannot be routed to the BADURIA MUNCIPALITY branch electronically.
How to transfer money using IFSC JSFB0004668
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 JSFB0004668 across all three.
How to use IFSC JSFB0004668 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Jana Small Finance Bank Limited's BADURIA MUNCIPALITY branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC JSFB0004668.
- Confirm the bank name auto-populates as Jana Small Finance Bank Limited and the branch as BADURIA MUNCIPALITY.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to BADURIA MUNCIPALITY
If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's BADURIA MUNCIPALITY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0004668 while initiating the transfer and the credit will appear within minutes.
IMPS to Jana Small Finance Bank Limited BADURIA MUNCIPALITY (IFSC JSFB0004668)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0004668 in your mobile or internet banking app, and the money is credited to the BADURIA MUNCIPALITY branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC JSFB0004668 for Jana Small Finance Bank Limited – BADURIA MUNCIPALITY, 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 – JSFB0004668 | Yes – JSFB0004668 | Yes – JSFB0004668 |
For most retail customers crediting the Baduria Muncipality 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 BADURIA MUNCIPALITY branch, the IFSC JSFB0004668 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.
Products and account variants supported
Every account opened at the Baduria Muncipality branch is mapped to IFSC JSFB0004668 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 JSFB0004668.
Banking services available
The Baduria Muncipality branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC JSFB0004668
MICR & cheque-truncation details
Cheques drawn on the Baduria Muncipality branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JSFB0004668 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC JSFB0004668
Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BADURIA MUNCIPALITY 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 JSFB0004668 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 – BADURIA MUNCIPALITY:
- The IFSC is exactly JSFB0004668 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 BADURIA MUNCIPALITY 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 Baduria Muncipality branch sits at BADURIA CHOWMATHA, NEAR SBI, PO BADURIA, FIRST FLOOR, DIST 24 PARGANAS N, WEST BENGAL, PIN 743437. If you are travelling from outside Baduria Muncipality, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 JSFB0004668 and your account number.
Verifying IFSC JSFB0004668 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 JSFB0004668 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Baduria Muncipality 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 JSFB0004668 continue to work without interruption.
Branch address & contact
Jana Small Finance Bank LimitedBaduria Muncipality Branch
BADURIA CHOWMATHA, NEAR SBI, PO BADURIA, FIRST FLOOR, DIST 24 PARGANAS N, WEST BENGAL, PIN 743437
Baduria Muncipality, West Bengal
Phone: the branch contact number
IFSC: JSFB0004668
Frequently asked questions
What is the phone number of Jana Small Finance Bank Limited Baduria Muncipality branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC JSFB0004668 valid for NEFT and RTGS?
Yes. IFSC JSFB0004668 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC JSFB0004668 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC JSFB0004668 to send funds instantly.
Is IFSC JSFB0004668 the same for all accounts at Baduria Muncipality branch?
Yes. The IFSC JSFB0004668 is shared by every account held at Jana Small Finance Bank Limited's Baduria Muncipality branch. Only the account number changes from customer to customer.
Does Jana Small Finance Bank Limited Baduria Muncipality branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Where is Jana Small Finance Bank Limited Baduria Muncipality branch located?
Jana Small Finance Bank Limited's Baduria Muncipality branch is located at BADURIA CHOWMATHA, NEAR SBI, PO BADURIA, FIRST FLOOR, DIST 24 PARGANAS N, WEST BENGAL, PIN 743437, Baduria Muncipality, West Bengal.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Baduria Muncipality branch but serve different purposes.
How quickly will an NEFT transfer using JSFB0004668 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Jana Small Finance Bank Limited – Baduria Muncipality reflect within 30 minutes.
Final notes
To recap: JSFB0004668 is the IFSC code of Jana Small Finance Bank Limited, BADURIA MUNCIPALITY branch, in BADURIA MUNCIPALITY, WEST BENGAL. 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.
