IFSC Code of Jana Small Finance Bank Limited, Gms Road Branch, Uttarakhand

Use this page as a one-stop reference for everything related to Jana Small Finance Bank Limited's GMS ROAD branch in DEHRADUN, UTTARAKHAND. The branch's IFSC code JSFB0004073 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 GMS ROAD branch, the IFSC JSFB0004073 breaks down as follows: JSFB identifies the bank, 0 is the reserved character, and 004073 identifies this particular branch.

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 Gms Road branch in Dehradun, Uttarakhand is part of this network and uses the IFSC code JSFB0004073 for all electronic settlement.

Branch details at a glance

Gms Road branch overview

Located at JANA SMALL FINANCE BANK LTD,GROUND FLOOR,PROPERTY NO.617,GMS ROAD,OPP.WADIA INSTITUTE DEHRADUN UK-248001, the Gms Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JSFB0004073 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 GMS ROAD branch came to be assigned the code JSFB0004073.

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 JSFB0004073, money simply cannot be routed to the GMS ROAD branch electronically.

Products and account variants supported

Every account opened at the Gms Road branch is mapped to IFSC JSFB0004073 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 JSFB0004073.

Products and services

Customers walking into the Gms Road 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 JSFB0004073

How to transfer money using IFSC JSFB0004073

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 JSFB0004073 across all three.

How to use IFSC JSFB0004073 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Jana Small Finance Bank Limited's GMS ROAD branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC JSFB0004073.
4. Confirm the bank name auto-populates as Jana Small Finance Bank Limited and the branch as GMS ROAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC JSFB0004073

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Jana Small Finance Bank Limited – GMS ROAD, ensure your bank's portal accepts IFSC JSFB0004073 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Jana Small Finance Bank Limited – GMS ROAD, use IMPS. With IFSC JSFB0004073 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC JSFB0004073 for Jana Small Finance Bank Limited – GMS ROAD, 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.

For most retail customers crediting the Gms Road 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.

UPI payments and IFSC JSFB0004073

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 – GMS ROAD is still mapped to IFSC JSFB0004073. 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 JSFB0004073 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Gms Road branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC JSFB0004073 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

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 JSFB0004073 and the account number together uniquely identify the Gms Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC JSFB0004073

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 – GMS ROAD, 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: JSFB0004073.
• 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 Gms Road branch

The branch is located at JANA SMALL FINANCE BANK LTD,GROUND FLOOR,PROPERTY NO.617,GMS ROAD,OPP.WADIA INSTITUTE DEHRADUN UK-248001, which puts it inside Dehradun, the broader Dehradun district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “Jana Small Finance Bank Limited Gms Road branch” — the verified location pin for IFSC JSFB0004073 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 JSFB0004073 and your account number.

Verifying IFSC JSFB0004073 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 JSFB0004073 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Gms Road 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 JSFB0004073 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: JSFB0004073 is the IFSC code of Jana Small Finance Bank Limited, GMS ROAD branch, in DEHRADUN, UTTARAKHAND. 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.