IFSC Code of Jana Small Finance Bank Limited, Ichalkaranji Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Jana Small Finance Bank Limited, ICHALKARANJI branch in ICHALKARANJI. The 11-digit IFSC JSFB0003218 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 ICHALKARANJI 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Jana Small Finance Bank Limited – ICHALKARANJI is JSFB0003218. The first four letters JSFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003218 map to this branch in ICHALKARANJI, MAHARASHTRA.

Branch details at a glance

Bank profile

Jana Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ichalkaranji branch — IFSC JSFB0003218 — extends the bank's services to customers in and around Ichalkaranji, Maharashtra.

About this branch

The branch is located at JANA SMALL FINANCE BANK LTD,2ND FLOOR,SUYOG CHAMBERS,NEAR SHIVAJI STATUE,KOLHAPUR ROAD,ICHALKARANJI -416115,INDIA. It serves the Ichalkaranji 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 JSFB0003218 is used to identify this branch on the RBI payments network.

Why every Jana Small Finance Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including ICHALKARANJI of Jana Small Finance Bank Limited — its own 11-character IFSC. The code JSFB0003218 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC JSFB0003218 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC JSFB0003218

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 JSFB0003218 across all three.

NEFT to Jana Small Finance Bank Limited, ICHALKARANJI using IFSC JSFB0003218

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 JSFB0003218, and confirm that the system picks up Jana Small Finance Bank Limited – ICHALKARANJI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC JSFB0003218

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 – ICHALKARANJI, ensure your bank's portal accepts IFSC JSFB0003218 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jana Small Finance Bank Limited ICHALKARANJI (IFSC JSFB0003218)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0003218 in your mobile or internet banking app, and the money is credited to the ICHALKARANJI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ichalkaranji

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 JSFB0003218:

• 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 ICHALKARANJI is still linked to IFSC JSFB0003218.

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 JSFB0003218

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 – ICHALKARANJI is still mapped to IFSC JSFB0003218. 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 JSFB0003218 and the beneficiary's account number to complete the transfer.

Account types you can open at the Ichalkaranji branch

Once you have an account at Jana Small Finance Bank Limited – ICHALKARANJI, the IFSC JSFB0003218 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Ichalkaranji 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 JSFB0003218

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 JSFB0003218 and the account number together uniquely identify the Ichalkaranji branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC JSFB0003218

Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ICHALKARANJI 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 JSFB0003218 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.

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 – ICHALKARANJI:

• The IFSC is exactly JSFB0003218 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 ICHALKARANJI 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 Ichalkaranji branch sits at JANA SMALL FINANCE BANK LTD,2ND FLOOR,SUYOG CHAMBERS,NEAR SHIVAJI STATUE,KOLHAPUR ROAD,ICHALKARANJI -416115,INDIA. If you are travelling from outside Ichalkaranji, 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 JSFB0003218 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JSFB0003218 for Jana Small Finance Bank Limited – ICHALKARANJI, 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.

Working hours

Branch counters at Ichalkaranji 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 JSFB0003218 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JSFB0003218 belongs to Jana Small Finance Bank Limited's ICHALKARANJI branch, located at JANA SMALL FINANCE BANK LTD,2ND FLOOR,SUYOG CHAMBERS,NEAR SHIVAJI… in ICHALKARANJI, MAHARASHTRA. 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.