IFSC Code of Jana Small Finance Bank Limited, Baliapada Branch, Odisha

Below are the complete branch details for Jana Small Finance Bank Limited, BALIAPADA branch, located in BALIAPADA, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is JSFB0004879. 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 JSFB0004879 for Jana Small Finance Bank Limited – BALIAPADA — 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 – BALIAPADA is JSFB0004879. The first four letters JSFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004879 map to this branch in BALIAPADA, ODISHA.

Bank profile

Jana Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Baliapada branch — IFSC JSFB0004879 — extends the bank's services to customers in and around Baliapada, Odisha.

About this branch

The branch is located at PO-KHANDASAHI,BALIAPADA GRAM PANCHAYAT OFFICE,PS/BLOCK-NISCHINTAKOILI,DIST - CUTTACK - 754209. It serves the Baliapada 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 JSFB0004879 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 BALIAPADA branch came to be assigned the code JSFB0004879.

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 JSFB0004879, money simply cannot be routed to the BALIAPADA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Baliapada branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JSFB0004879 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC JSFB0004879

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 JSFB0004879 across all three.

NEFT to Jana Small Finance Bank Limited, BALIAPADA using IFSC JSFB0004879

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 JSFB0004879, and confirm that the system picks up Jana Small Finance Bank Limited – BALIAPADA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BALIAPADA

If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's BALIAPADA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0004879 while initiating the transfer and the credit will appear within minutes.

IMPS to Jana Small Finance Bank Limited BALIAPADA (IFSC JSFB0004879)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0004879 in your mobile or internet banking app, and the money is credited to the BALIAPADA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Baliapada

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 JSFB0004879:

• 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 BALIAPADA is still linked to IFSC JSFB0004879.

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 JSFB0004879

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 – BALIAPADA is still mapped to IFSC JSFB0004879. 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 JSFB0004879 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Baliapada branch is mapped to IFSC JSFB0004879 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 JSFB0004879.

Banking services available

The Baliapada branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8342812123.

• 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 JSFB0004879

Digital banking channels

Most day-to-day work that customers used to do at the Baliapada 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 JSFB0004879 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.

How to reach the Baliapada branch

The branch is located at PO-KHANDASAHI,BALIAPADA GRAM PANCHAYAT OFFICE,PS/BLOCK-NISCHINTAKOILI,DIST - CUTTACK - 754209, which puts it inside Baliapada, the broader Cuttack district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Jana Small Finance Bank Limited Baliapada branch” — the verified location pin for IFSC JSFB0004879 should appear at the top of the results.
2. Confirm the branch is open by calling 8342812123 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC JSFB0004879 and your account number.

Common mistakes to avoid when using IFSC JSFB0004879

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 – BALIAPADA, 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: JSFB0004879.
• 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Baliapada branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JSFB0004879, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JSFB0004879 for Jana Small Finance Bank Limited – BALIAPADA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JSFB0004879 belongs to Jana Small Finance Bank Limited's BALIAPADA branch, located at PO-KHANDASAHI,BALIAPADA GRAM PANCHAYAT OFFICE,PS/BLOCK-NISCHINTAKOILI,DIST -… in BALIAPADA, ODISHA. 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.