IFSC Code of Jana Small Finance Bank Limited, Kankalu Hindol Branch, Odisha

Use this page as a one-stop reference for everything related to Jana Small Finance Bank Limited's KANKALU HINDOL branch in BHUSAN STEEL LIMITED, ODISHA. The branch's IFSC code JSFB0004844 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.

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 KANKALU HINDOL branch, the IFSC JSFB0004844 breaks down as follows: JSFB identifies the bank, 0 is the reserved character, and 004844 identifies this particular branch.

Branch details at a glance

About Jana Small Finance Bank Limited

Jana Small Finance Bank Limited operates a wide network of branches across India, including the Kankalu Hindol branch in Bhusan Steel Limited. 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, JSFB0004844.

Kankalu Hindol branch overview

Located at AT - NUAGAON GRAM PANCHAYAT,PO - KANKALU,PS - KANTABANIA,VIA - MERAMUNDALI,DIST.- DHENKANAL - 759121, the Kankalu Hindol branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JSFB0004844 is required for all interbank electronic transfers routed through this branch.

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 KANKALU HINDOL branch came to be assigned the code JSFB0004844.

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 JSFB0004844, money simply cannot be routed to the KANKALU HINDOL branch electronically.

How to transfer money using IFSC JSFB0004844

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 JSFB0004844 across all three.

NEFT to Jana Small Finance Bank Limited, KANKALU HINDOL using IFSC JSFB0004844

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 JSFB0004844, and confirm that the system picks up Jana Small Finance Bank Limited – KANKALU HINDOL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KANKALU HINDOL

If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's KANKALU HINDOL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0004844 while initiating the transfer and the credit will appear within minutes.

IMPS to Jana Small Finance Bank Limited KANKALU HINDOL (IFSC JSFB0004844)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0004844 in your mobile or internet banking app, and the money is credited to the KANKALU HINDOL branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kankalu Hindol

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 JSFB0004844:

• 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 KANKALU HINDOL is still linked to IFSC JSFB0004844.

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 JSFB0004844

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 – KANKALU HINDOL is still mapped to IFSC JSFB0004844. 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 JSFB0004844 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kankalu Hindol branch is mapped to IFSC JSFB0004844 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 JSFB0004844.

Banking services available

The Kankalu Hindol branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9658494813.

• 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 JSFB0004844

MICR & cheque-truncation details

Cheques drawn on the Kankalu Hindol branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JSFB0004844 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC JSFB0004844

Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KANKALU HINDOL 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 JSFB0004844 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.

Common mistakes to avoid when using IFSC JSFB0004844

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 – KANKALU HINDOL, 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: JSFB0004844.
• 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.

How to reach the Kankalu Hindol branch

The branch is located at AT - NUAGAON GRAM PANCHAYAT,PO - KANKALU,PS - KANTABANIA,VIA - MERAMUNDALI,DIST.- DHENKANAL - 759121, which puts it inside Bhusan Steel Limited, the broader Dhenkanal 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 Kankalu Hindol branch” — the verified location pin for IFSC JSFB0004844 should appear at the top of the results.
2. Confirm the branch is open by calling 9658494813 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 JSFB0004844 and your account number.

Verifying IFSC JSFB0004844 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 JSFB0004844 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9658494813.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kankalu Hindol 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 JSFB0004844 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JSFB0004844 belongs to Jana Small Finance Bank Limited's KANKALU HINDOL branch, located at AT - NUAGAON GRAM PANCHAYAT,PO - KANKALU,PS - KANTABANIA,VIA -… in BHUSAN STEEL LIMITED, 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.