IFSC Code of Jana Small Finance Bank Limited, Bardoli Muncipality Branch, Gujarat

Below are the complete branch details for Jana Small Finance Bank Limited, BARDOLI MUNCIPALITY branch, located in BARDOLI, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is JSFB0004636. 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 JSFB0004636 for Jana Small Finance Bank Limited – BARDOLI MUNCIPALITY — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 BARDOLI MUNCIPALITY branch, the IFSC JSFB0004636 breaks down as follows: JSFB identifies the bank, 0 is the reserved character, and 004636 identifies this particular branch.

About Jana Small Finance Bank Limited

Jana Small Finance Bank Limited operates a wide network of branches across India, including the Bardoli Muncipality branch in Bardoli. 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, JSFB0004636.

Branch details at a glance

Bardoli Muncipality branch overview

Located at UG1,2,3& LG 1,2,3,GROUND PLUS FIRST FLOOR,SHREEJI COMPLEX,NATIONAL HIGHWAY NO.6,SURAT -DHULLA ROAD,OPP.MANIK MOTI COMPLEX,BARDOLI -394601, the Bardoli Muncipality branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JSFB0004636 is required for all interbank electronic transfers routed through this branch.

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 BARDOLI MUNCIPALITY of Jana Small Finance Bank Limited — its own 11-character IFSC. The code JSFB0004636 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 JSFB0004636 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Bardoli Muncipality branch is mapped to IFSC JSFB0004636 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 JSFB0004636.

Banking services available

The Bardoli 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 JSFB0004636

How to transfer money using IFSC JSFB0004636

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 JSFB0004636 across all three.

NEFT to Jana Small Finance Bank Limited, BARDOLI MUNCIPALITY using IFSC JSFB0004636

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 JSFB0004636, and confirm that the system picks up Jana Small Finance Bank Limited – BARDOLI MUNCIPALITY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BARDOLI MUNCIPALITY

If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's BARDOLI MUNCIPALITY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0004636 while initiating the transfer and the credit will appear within minutes.

IMPS to Jana Small Finance Bank Limited BARDOLI MUNCIPALITY (IFSC JSFB0004636)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0004636 in your mobile or internet banking app, and the money is credited to the BARDOLI MUNCIPALITY branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bardoli Muncipality

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 JSFB0004636:

• 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 BARDOLI MUNCIPALITY is still linked to IFSC JSFB0004636.

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.

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 BARDOLI MUNCIPALITY branch, the IFSC JSFB0004636 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.

Online banking and IFSC JSFB0004636

Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BARDOLI 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 JSFB0004636 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.

MICR & cheque-truncation details

Cheques drawn on the Bardoli Muncipality branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JSFB0004636 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 JSFB0004636

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 – BARDOLI MUNCIPALITY, 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: JSFB0004636.
• 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 Bardoli Muncipality branch sits at UG1,2,3& LG 1,2,3,GROUND PLUS FIRST FLOOR,SHREEJI COMPLEX,NATIONAL HIGHWAY NO.6,SURAT -DHULLA ROAD,OPP.MANIK MOTI COMPLEX,BARDOLI -394601. If you are travelling from outside Bardoli, 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 JSFB0004636 and your account number.

Verifying IFSC JSFB0004636 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 JSFB0004636 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.

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 Bardoli Muncipality branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JSFB0004636, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: JSFB0004636 is the IFSC code of Jana Small Finance Bank Limited, BARDOLI MUNCIPALITY branch, in BARDOLI, GUJARAT. 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.