IFSC Code of Jana Small Finance Bank Limited, Dhumuchai Branch, Odisha

Use this page as a one-stop reference for everything related to Jana Small Finance Bank Limited's DHUMUCHAI branch in GANJAM, ODISHA. The branch's IFSC code JSFB0004894 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, JSFB0004894 is the IFSC of Jana Small Finance Bank Limited's DHUMUCHAI branch. The format is fixed: JSFB = bank code, 0 = reserved, 004894 = branch identifier.

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 Dhumuchai branch in Ganjam, Odisha is part of this network and uses the IFSC code JSFB0004894 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at GRAM PANCHAYAT OFFICE DHUMCHAI,PO DHUMCHAI,DIST GANJAM,STATE ODISHA 761140. It serves the Ganjam 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 JSFB0004894 is used to identify this branch on the RBI payments network.

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 DHUMUCHAI branch came to be assigned the code JSFB0004894.

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 JSFB0004894, money simply cannot be routed to the DHUMUCHAI branch electronically.

Products and account variants supported

Every account opened at the Dhumuchai branch is mapped to IFSC JSFB0004894 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 JSFB0004894.

Products and services

Customers walking into the Dhumuchai 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 JSFB0004894

How to transfer money using IFSC JSFB0004894

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 JSFB0004894 across all three.

NEFT to Jana Small Finance Bank Limited, DHUMUCHAI using IFSC JSFB0004894

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 JSFB0004894, and confirm that the system picks up Jana Small Finance Bank Limited – DHUMUCHAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to DHUMUCHAI

If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's DHUMUCHAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0004894 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Jana Small Finance Bank Limited – DHUMUCHAI, use IMPS. With IFSC JSFB0004894 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 JSFB0004894 for Jana Small Finance Bank Limited – DHUMUCHAI, 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 Dhumuchai 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 DHUMUCHAI branch, the IFSC JSFB0004894 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.

Online banking and IFSC JSFB0004894

Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the DHUMUCHAI 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 JSFB0004894 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.

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 JSFB0004894 and the account number together uniquely identify the Dhumuchai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – DHUMUCHAI:

• The IFSC is exactly JSFB0004894 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 DHUMUCHAI 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.

Reaching the branch

The Dhumuchai branch sits at GRAM PANCHAYAT OFFICE DHUMCHAI,PO DHUMCHAI,DIST GANJAM,STATE ODISHA 761140. If you are travelling from outside Ganjam, search for the branch on a maps application using the bank name and locality, or call 8917315449 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 JSFB0004894 and your account number.

Verifying IFSC JSFB0004894 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 JSFB0004894 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8917315449.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Dhumuchai 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 JSFB0004894 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: JSFB0004894 is the IFSC code of Jana Small Finance Bank Limited, DHUMUCHAI branch, in GANJAM, ODISHA. 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.