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

Use this page as a one-stop reference for everything related to Jana Small Finance Bank Limited's GUDDAPATTI branch in GUDDAPATTI, TAMIL NADU. The branch's IFSC code JSFB0004697 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 GUDDAPATTI branch, the IFSC JSFB0004697 breaks down as follows: JSFB identifies the bank, 0 is the reserved character, and 004697 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 Guddapatti branch in Guddapatti, Tamil Nadu is part of this network and uses the IFSC code JSFB0004697 for all electronic settlement.

About the Guddapatti branch

The Guddapatti branch of Jana Small Finance Bank Limited is situated at PANCHAYATH OFFICE,GUDDAPATTI, KRISHNAGIRI. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code JSFB0004697 is used.

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 GUDDAPATTI branch came to be assigned the code JSFB0004697.

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 JSFB0004697, money simply cannot be routed to the GUDDAPATTI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Guddapatti branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JSFB0004697 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC JSFB0004697

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 JSFB0004697 across all three.

NEFT to Jana Small Finance Bank Limited, GUDDAPATTI using IFSC JSFB0004697

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 JSFB0004697, and confirm that the system picks up Jana Small Finance Bank Limited – GUDDAPATTI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC JSFB0004697

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 – GUDDAPATTI, ensure your bank's portal accepts IFSC JSFB0004697 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 – GUDDAPATTI, use IMPS. With IFSC JSFB0004697 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Guddapatti

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 JSFB0004697:

• 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 GUDDAPATTI is still linked to IFSC JSFB0004697.

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 JSFB0004697

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 – GUDDAPATTI is still mapped to IFSC JSFB0004697. 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 JSFB0004697 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Guddapatti branch is mapped to IFSC JSFB0004697 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 JSFB0004697.

Products and services

Customers walking into the Guddapatti 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 JSFB0004697

Digital banking channels

Most day-to-day work that customers used to do at the Guddapatti 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 JSFB0004697 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.

How to reach the Guddapatti branch

The branch is located at PANCHAYATH OFFICE,GUDDAPATTI, KRISHNAGIRI, which puts it inside Guddapatti, the broader Krishnagiri district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Jana Small Finance Bank Limited Guddapatti branch” — the verified location pin for IFSC JSFB0004697 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 JSFB0004697 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 – GUDDAPATTI:

• The IFSC is exactly JSFB0004697 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 GUDDAPATTI 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 Guddapatti branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JSFB0004697, however, work 24x7.

Verifying IFSC JSFB0004697 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 JSFB0004697 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JSFB0004697 belongs to Jana Small Finance Bank Limited's GUDDAPATTI branch, located at PANCHAYATH OFFICE,GUDDAPATTI, KRISHNAGIRI in GUDDAPATTI, TAMIL NADU. 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.