IFSC Code of Jana Small Finance Bank Limited, Bhopal Four Ayodhya Bypass Branch, Madhya Pradesh

Use this page as a one-stop reference for everything related to Jana Small Finance Bank Limited's BHOPAL FOUR AYODHYA BYPASS branch in BHOPAL FOUR AYODHYA BYPASS, MADHYA PRADESH. The branch's IFSC code JSFB0003402 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – BHOPAL FOUR AYODHYA BYPASS is JSFB0003402. The first four letters JSFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003402 map to this branch in BHOPAL FOUR AYODHYA BYPASS, MADHYA PRADESH.

Bank profile

Jana Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhopal Four Ayodhya Bypass branch — IFSC JSFB0003402 — extends the bank's services to customers in and around Bhopal Four Ayodhya Bypass, Madhya Pradesh.

About this branch

The branch is located at JANA SMALL FINANCE BANK LTD,1ST FLOOR,PLOT NO.H -11,SECTOR - A,SONAGIRI,BHOPAL DISTRICT,MADHYA PRADESH - 462021,BHOPAL,INDIA. It serves the Bhopal Four Ayodhya Bypass 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 JSFB0003402 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 BHOPAL FOUR AYODHYA BYPASS of Jana Small Finance Bank Limited — its own 11-character IFSC. The code JSFB0003402 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 JSFB0003402 the same way you would treat your account number — verify it once and save it carefully for future use.

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 JSFB0003402 and the account number together uniquely identify the Bhopal Four Ayodhya Bypass branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC JSFB0003402

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 JSFB0003402 across all three.

NEFT to Jana Small Finance Bank Limited, BHOPAL FOUR AYODHYA BYPASS using IFSC JSFB0003402

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 JSFB0003402, and confirm that the system picks up Jana Small Finance Bank Limited – BHOPAL FOUR AYODHYA BYPASS. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BHOPAL FOUR AYODHYA BYPASS

If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's BHOPAL FOUR AYODHYA BYPASS branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0003402 while initiating the transfer and the credit will appear within minutes.

IMPS to Jana Small Finance Bank Limited BHOPAL FOUR AYODHYA BYPASS (IFSC JSFB0003402)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0003402 in your mobile or internet banking app, and the money is credited to the BHOPAL FOUR AYODHYA BYPASS branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bhopal Four Ayodhya Bypass

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 JSFB0003402:

• 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 BHOPAL FOUR AYODHYA BYPASS is still linked to IFSC JSFB0003402.

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 JSFB0003402

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 – BHOPAL FOUR AYODHYA BYPASS is still mapped to IFSC JSFB0003402. 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 JSFB0003402 and the beneficiary's account number to complete the transfer.

Account types you can open at the Bhopal Four Ayodhya Bypass branch

Once you have an account at Jana Small Finance Bank Limited – BHOPAL FOUR AYODHYA BYPASS, the IFSC JSFB0003402 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.

Banking services available

The Bhopal Four Ayodhya Bypass 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 JSFB0003402

Online banking and IFSC JSFB0003402

Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHOPAL FOUR AYODHYA BYPASS 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 JSFB0003402 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 Bhopal Four Ayodhya Bypass branch

The branch is located at JANA SMALL FINANCE BANK LTD,1ST FLOOR,PLOT NO.H -11,SECTOR - A,SONAGIRI,BHOPAL DISTRICT,MADHYA PRADESH - 462021,BHOPAL,INDIA, which puts it inside Bhopal Four Ayodhya Bypass, the broader Bhopal district, and the state of Madhya Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Jana Small Finance Bank Limited Bhopal Four Ayodhya Bypass branch” — the verified location pin for IFSC JSFB0003402 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 JSFB0003402 and your account number.

Common mistakes to avoid when using IFSC JSFB0003402

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 – BHOPAL FOUR AYODHYA BYPASS, 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: JSFB0003402.
• 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 Bhopal Four Ayodhya Bypass branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JSFB0003402, however, work 24x7.

Verifying IFSC JSFB0003402 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 JSFB0003402 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 address & contact

Frequently asked questions

Summary

The IFSC code JSFB0003402 belongs to Jana Small Finance Bank Limited's BHOPAL FOUR AYODHYA BYPASS branch, located at JANA SMALL FINANCE BANK LTD,1ST FLOOR,PLOT NO.H -11,SECTOR - A,SONAGIRI,BHOPAL… in BHOPAL FOUR AYODHYA BYPASS, MADHYA 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.