Use this page as a one-stop reference for everything related to Jana Small Finance Bank Limited's KHAMARASAHI branch in CUTTACK, ODISHA. The branch's IFSC code JSFB0004047 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, JSFB0004047 is the IFSC of Jana Small Finance Bank Limited's KHAMARASAHI branch. The format is fixed: JSFB = bank code, 0 = reserved, 004047 = branch identifier.
Branch details at a glance
| Bank Name | Jana Small Finance Bank Limited |
|---|---|
| Branch | Khamarasahi |
| IFSC Code | JSFB0004047 |
| MICR Code | Refer to cheque leaf |
| Branch Address | JANA SMALL FINANCE BANK LTD,PLOT NO -362-823-873,AT-KHAMARSAHI,PO-GADAPOKHARI,PS-BADAMBA,DIST-CUTTACK,ODISHA,PIN-754031 |
| City | Cuttack |
| District | Odisha |
| State | Odisha |
About Jana Small Finance Bank Limited
Jana Small Finance Bank Limited operates a wide network of branches across India, including the Khamarasahi branch in Cuttack. 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, JSFB0004047.
About this branch
The branch is located at JANA SMALL FINANCE BANK LTD,PLOT NO -362-823-873,AT-KHAMARSAHI,PO-GADAPOKHARI,PS-BADAMBA,DIST-CUTTACK,ODISHA,PIN-754031. It serves the Cuttack 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 JSFB0004047 is used to identify this branch on the RBI payments network.
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 KHAMARASAHI of Jana Small Finance Bank Limited — its own 11-character IFSC. The code JSFB0004047 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 JSFB0004047 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC JSFB0004047
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 JSFB0004047 across all three.
NEFT to Jana Small Finance Bank Limited, KHAMARASAHI using IFSC JSFB0004047
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 JSFB0004047, and confirm that the system picks up Jana Small Finance Bank Limited – KHAMARASAHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KHAMARASAHI
If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's KHAMARASAHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0004047 while initiating the transfer and the credit will appear within minutes.
IMPS to Jana Small Finance Bank Limited KHAMARASAHI (IFSC JSFB0004047)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0004047 in your mobile or internet banking app, and the money is credited to the KHAMARASAHI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC JSFB0004047 for Jana Small Finance Bank Limited – KHAMARASAHI, 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 – JSFB0004047 | Yes – JSFB0004047 | Yes – JSFB0004047 |
For most retail customers crediting the Khamarasahi 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 KHAMARASAHI branch, the IFSC JSFB0004047 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.
Account types you can open at the Khamarasahi branch
Once you have an account at Jana Small Finance Bank Limited – KHAMARASAHI, the IFSC JSFB0004047 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.
Products and services
Customers walking into the Khamarasahi branch can access most of Jana Small Finance Bank Limited's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC JSFB0004047
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 JSFB0004047 and the account number together uniquely identify the Khamarasahi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC JSFB0004047
Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KHAMARASAHI 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 JSFB0004047 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 JSFB0004047
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 – KHAMARASAHI, 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:
JSFB0004047. - 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 Khamarasahi branch sits at JANA SMALL FINANCE BANK LTD,PLOT NO -362-823-873,AT-KHAMARSAHI,PO-GADAPOKHARI,PS-BADAMBA,DIST-CUTTACK,ODISHA,PIN-754031. If you are travelling from outside Cuttack, 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 JSFB0004047 and your account number.
Verifying IFSC JSFB0004047 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 JSFB0004047 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.
Working hours
Branch counters at Khamarasahi 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 JSFB0004047 continue to work without interruption.
Branch address & contact
Jana Small Finance Bank LimitedKhamarasahi Branch
JANA SMALL FINANCE BANK LTD,PLOT NO -362-823-873,AT-KHAMARSAHI,PO-GADAPOKHARI,PS-BADAMBA,DIST-CUTTACK,ODISHA,PIN-754031
Cuttack, Odisha
Phone: the branch contact number
IFSC: JSFB0004047
Frequently asked questions
How quickly will an NEFT transfer using JSFB0004047 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Jana Small Finance Bank Limited – Khamarasahi reflect within 30 minutes.
How do I add Jana Small Finance Bank Limited Khamarasahi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC JSFB0004047, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Jana Small Finance Bank Limited Khamarasahi branch?
You can reach the branch at the branch contact number during regular banking hours.
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 Khamarasahi branch but serve different purposes.
Is IFSC JSFB0004047 valid for NEFT and RTGS?
Yes. IFSC JSFB0004047 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Jana Small Finance Bank Limited Khamarasahi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Where is Jana Small Finance Bank Limited Khamarasahi branch located?
Jana Small Finance Bank Limited's Khamarasahi branch is located at JANA SMALL FINANCE BANK LTD,PLOT NO -362-823-873,AT-KHAMARSAHI,PO-GADAPOKHARI,PS-BADAMBA,DIST-CUTTACK,ODISHA,PIN-754031, Cuttack, Odisha.
Summary
The IFSC code JSFB0004047 belongs to Jana Small Finance Bank Limited's KHAMARASAHI branch, located at JANA SMALL FINANCE BANK LTD,PLOT NO… in CUTTACK, 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.
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