IFSC Code of Jana Small Finance Bank Limited, Kothamangalam Branch, Tamil Nadu

This page lists the IFSC code, branch address, contact number and fund-transfer information for Jana Small Finance Bank Limited, KOTHAMANGALAM branch in ERODE. The 11-digit IFSC JSFB0004948 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Jana Small Finance Bank Limited at the KOTHAMANGALAM location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 KOTHAMANGALAM branch, the IFSC JSFB0004948 breaks down as follows: JSFB identifies the bank, 0 is the reserved character, and 004948 identifies this particular branch.

About Jana Small Finance Bank Limited

Jana Small Finance Bank Limited operates a wide network of branches across India, including the Kothamangalam branch in Erode. 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, JSFB0004948.

About this branch

The branch is located at JANA SMALL FINANCE BANK LTD,C/O.MR.SRIHARI,S/O DHODDANA GOWDER,DOOR NO 9/1010,9/1011,BHAVANI SAGAR VIA,THAMANGALAM,SATHY ( TK),ERODE -638451. It serves the Erode 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 JSFB0004948 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 KOTHAMANGALAM branch came to be assigned the code JSFB0004948.

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 JSFB0004948, money simply cannot be routed to the KOTHAMANGALAM 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 JSFB0004948 and the account number together uniquely identify the Kothamangalam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC JSFB0004948

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 JSFB0004948 across all three.

NEFT to Jana Small Finance Bank Limited, KOTHAMANGALAM using IFSC JSFB0004948

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 JSFB0004948, and confirm that the system picks up Jana Small Finance Bank Limited – KOTHAMANGALAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC JSFB0004948

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 – KOTHAMANGALAM, ensure your bank's portal accepts IFSC JSFB0004948 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jana Small Finance Bank Limited KOTHAMANGALAM (IFSC JSFB0004948)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0004948 in your mobile or internet banking app, and the money is credited to the KOTHAMANGALAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kothamangalam

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 JSFB0004948:

• 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 KOTHAMANGALAM is still linked to IFSC JSFB0004948.

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 JSFB0004948

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 – KOTHAMANGALAM is still mapped to IFSC JSFB0004948. 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 JSFB0004948 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kothamangalam branch is mapped to IFSC JSFB0004948 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 JSFB0004948.

Products and services

Customers walking into the Kothamangalam 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 JSFB0004948

Online banking and IFSC JSFB0004948

Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KOTHAMANGALAM 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 JSFB0004948 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.

Reaching the branch

The Kothamangalam branch sits at JANA SMALL FINANCE BANK LTD,C/O.MR.SRIHARI,S/O DHODDANA GOWDER,DOOR NO 9/1010,9/1011,BHAVANI SAGAR VIA,THAMANGALAM,SATHY ( TK),ERODE -638451. If you are travelling from outside Erode, 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 JSFB0004948 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 – KOTHAMANGALAM:

• The IFSC is exactly JSFB0004948 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 KOTHAMANGALAM 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.

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 Kothamangalam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JSFB0004948, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JSFB0004948 for Jana Small Finance Bank Limited – KOTHAMANGALAM, 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

Frequently asked questions

Final notes

To recap: JSFB0004948 is the IFSC code of Jana Small Finance Bank Limited, KOTHAMANGALAM branch, in ERODE, TAMIL NADU. 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.