Below are the complete branch details for Jana Small Finance Bank Limited, BHARUCH branch, located in BHARUCH, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is JSFB0003151. 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 JSFB0003151 for Jana Small Finance Bank Limited – BHARUCH — 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 – BHARUCH is JSFB0003151. The first four letters JSFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003151 map to this branch in BHARUCH, GUJARAT.
About the bank
Jana Small Finance Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bharuch branch in Bharuch, Gujarat is part of this network and uses the IFSC code JSFB0003151 for all electronic settlement.
About this branch
The branch is located at JANA SMALL FINANCE BANK LTD,1ST FLOOR,SHOP NO.1& 2,GAJANAN COMPLEX,ZADESHWAR CHOKRI,ZADESHWAR,BHARUCH DIST -392002. It serves the Bharuch 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 JSFB0003151 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Jana Small Finance Bank Limited |
|---|---|
| Branch | Bharuch |
| IFSC Code | JSFB0003151 |
| MICR Code | Refer to cheque leaf |
| Branch Address | JANA SMALL FINANCE BANK LTD,1ST FLOOR,SHOP NO.1& 2,GAJANAN COMPLEX,ZADESHWAR CHOKRI,ZADESHWAR,BHARUCH DIST -392002 |
| City | Bharuch |
| District | Bharuch |
| State | Gujarat |
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 BHARUCH branch came to be assigned the code JSFB0003151.
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 JSFB0003151, money simply cannot be routed to the BHARUCH branch electronically.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Jana Small Finance Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC JSFB0003151 and the account number together uniquely identify the Bharuch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC JSFB0003151
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 JSFB0003151 across all three.
NEFT to Jana Small Finance Bank Limited, BHARUCH using IFSC JSFB0003151
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 JSFB0003151, and confirm that the system picks up Jana Small Finance Bank Limited – BHARUCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BHARUCH
If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's BHARUCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0003151 while initiating the transfer and the credit will appear within minutes.
IMPS to Jana Small Finance Bank Limited BHARUCH (IFSC JSFB0003151)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0003151 in your mobile or internet banking app, and the money is credited to the BHARUCH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC JSFB0003151 for Jana Small Finance Bank Limited – BHARUCH, 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 – JSFB0003151 | Yes – JSFB0003151 | Yes – JSFB0003151 |
For most retail customers crediting the Bharuch 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 BHARUCH branch, the IFSC JSFB0003151 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 Bharuch branch is mapped to IFSC JSFB0003151 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 JSFB0003151.
Banking services available
The Bharuch 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 JSFB0003151
Online banking and IFSC JSFB0003151
Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHARUCH 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 JSFB0003151 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.
How to reach the Bharuch branch
The branch is located at JANA SMALL FINANCE BANK LTD,1ST FLOOR,SHOP NO.1& 2,GAJANAN COMPLEX,ZADESHWAR CHOKRI,ZADESHWAR,BHARUCH DIST -392002, which puts it inside Bharuch, the broader Bharuch district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Jana Small Finance Bank Limited Bharuch branch” — the verified location pin for IFSC JSFB0003151 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- 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 JSFB0003151 and your account number.
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 – BHARUCH:
- The IFSC is exactly JSFB0003151 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 BHARUCH 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.
Working hours
Branch counters at Bharuch 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 JSFB0003151 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC JSFB0003151 for Jana Small Finance Bank Limited – BHARUCH, 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
Jana Small Finance Bank LimitedBharuch Branch
JANA SMALL FINANCE BANK LTD,1ST FLOOR,SHOP NO.1& 2,GAJANAN COMPLEX,ZADESHWAR CHOKRI,ZADESHWAR,BHARUCH DIST -392002
Bharuch, Gujarat
Phone: the branch contact number
IFSC: JSFB0003151
Frequently asked questions
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 Bharuch branch but serve different purposes.
What is the phone number of Jana Small Finance Bank Limited Bharuch branch?
You can reach the branch at the branch contact number during regular banking hours.
Where is Jana Small Finance Bank Limited Bharuch branch located?
Jana Small Finance Bank Limited's Bharuch branch is located at JANA SMALL FINANCE BANK LTD,1ST FLOOR,SHOP NO.1& 2,GAJANAN COMPLEX,ZADESHWAR CHOKRI,ZADESHWAR,BHARUCH DIST -392002, Bharuch, Gujarat.
Is IFSC JSFB0003151 the same for all accounts at Bharuch branch?
Yes. The IFSC JSFB0003151 is shared by every account held at Jana Small Finance Bank Limited's Bharuch branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using JSFB0003151 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Jana Small Finance Bank Limited – Bharuch reflect within 30 minutes.
Is IFSC JSFB0003151 valid for NEFT and RTGS?
Yes. IFSC JSFB0003151 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: JSFB0003151 is the IFSC code of Jana Small Finance Bank Limited, BHARUCH branch, in BHARUCH, 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.
