Below are the complete branch details for Jana Small Finance Bank Limited, HUBLI branch, located in HUBLI, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is JSFB0004544. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case JSFB0004544 for Jana Small Finance Bank Limited – HUBLI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 HUBLI branch, the IFSC JSFB0004544 breaks down as follows: JSFB identifies the bank, 0 is the reserved character, and 004544 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 Hubli branch in Hubli, Karnataka is part of this network and uses the IFSC code JSFB0004544 for all electronic settlement.
About this branch
The branch is located at UPPER GROUND FLOOR, VIDYA NAGAR,UNKAL VILLAGE, OPP BVB ENGG COLLEGE, HUBLI TALUK,DHARWAD 580021, KARNATAKA. It serves the Hubli 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 JSFB0004544 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Jana Small Finance Bank Limited |
|---|---|
| Branch | Hubli |
| IFSC Code | JSFB0004544 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UPPER GROUND FLOOR, VIDYA NAGAR,UNKAL VILLAGE, OPP BVB ENGG COLLEGE, HUBLI TALUK,DHARWAD 580021, KARNATAKA |
| City | Hubli |
| District | Dharwad |
| State | Karnataka |
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 HUBLI branch came to be assigned the code JSFB0004544.
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 JSFB0004544, money simply cannot be routed to the HUBLI 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 JSFB0004544 and the account number together uniquely identify the Hubli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC JSFB0004544
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 JSFB0004544 across all three.
NEFT to Jana Small Finance Bank Limited, HUBLI using IFSC JSFB0004544
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 JSFB0004544, and confirm that the system picks up Jana Small Finance Bank Limited – HUBLI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC JSFB0004544
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 – HUBLI, ensure your bank's portal accepts IFSC JSFB0004544 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 – HUBLI, use IMPS. With IFSC JSFB0004544 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 JSFB0004544 for Jana Small Finance Bank Limited – HUBLI, 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 – JSFB0004544 | Yes – JSFB0004544 | Yes – JSFB0004544 |
For most retail customers crediting the Hubli 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 JSFB0004544
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 – HUBLI is still mapped to IFSC JSFB0004544. 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 JSFB0004544 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Hubli branch is mapped to IFSC JSFB0004544 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 JSFB0004544.
Banking services available
The Hubli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC JSFB0004544
Digital banking channels
Most day-to-day work that customers used to do at the Hubli 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 JSFB0004544 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.
Reaching the branch
The Hubli branch sits at UPPER GROUND FLOOR, VIDYA NAGAR,UNKAL VILLAGE, OPP BVB ENGG COLLEGE, HUBLI TALUK,DHARWAD 580021, KARNATAKA. If you are travelling from outside Hubli, 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 JSFB0004544 and your account number.
Common mistakes to avoid when using IFSC JSFB0004544
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 – HUBLI, 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:
JSFB0004544. - 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.
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 Hubli branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JSFB0004544, however, work 24x7.
Verifying IFSC JSFB0004544 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 JSFB0004544 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
Jana Small Finance Bank LimitedHubli Branch
UPPER GROUND FLOOR, VIDYA NAGAR,UNKAL VILLAGE, OPP BVB ENGG COLLEGE, HUBLI TALUK,DHARWAD 580021, KARNATAKA
Hubli, Karnataka
Phone: the branch contact number
IFSC: JSFB0004544
Frequently asked questions
Is IFSC JSFB0004544 the same for all accounts at Hubli branch?
Yes. The IFSC JSFB0004544 is shared by every account held at Jana Small Finance Bank Limited's Hubli branch. Only the account number changes from customer to customer.
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 Hubli branch but serve different purposes.
Is IFSC JSFB0004544 valid for NEFT and RTGS?
Yes. IFSC JSFB0004544 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Jana Small Finance Bank Limited Hubli branch located?
Jana Small Finance Bank Limited's Hubli branch is located at UPPER GROUND FLOOR, VIDYA NAGAR,UNKAL VILLAGE, OPP BVB ENGG COLLEGE, HUBLI TALUK,DHARWAD 580021, KARNATAKA, Hubli, Karnataka.
What is the phone number of Jana Small Finance Bank Limited Hubli branch?
You can reach the branch at the branch contact number during regular banking hours.
How do I add Jana Small Finance Bank Limited Hubli as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC JSFB0004544, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Jana Small Finance Bank Limited Hubli branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Can I use IFSC JSFB0004544 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC JSFB0004544 to send funds instantly.
Final notes
To recap: JSFB0004544 is the IFSC code of Jana Small Finance Bank Limited, HUBLI branch, in HUBLI, KARNATAKA. 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.
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