IFSC Code of Jana Small Finance Bank Limited, Kalol Branch, Gujarat

Below are the complete branch details for Jana Small Finance Bank Limited, KALOL branch, located in KALOL, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is JSFB0003147. 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 JSFB0003147 for Jana Small Finance Bank Limited – KALOL — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – KALOL is JSFB0003147. The first four letters JSFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003147 map to this branch in KALOL, GUJARAT.

Branch details at a glance

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 Kalol branch in Kalol, Gujarat is part of this network and uses the IFSC code JSFB0003147 for all electronic settlement.

Kalol branch overview

Located at JANA SMALL FINANNCE BANK LTD,SHOP NO.104 TO 106,C WING,NAVJIVAN SHOPPING CENTER,KHOONI BANGLA CROSS ROAD,B/H COURT,MAHENDRA MILL ROAD,KALOL -382721, the Kalol branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JSFB0003147 is required for all interbank electronic transfers routed through this branch.

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 KALOL of Jana Small Finance Bank Limited — its own 11-character IFSC. The code JSFB0003147 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 JSFB0003147 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 JSFB0003147

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 JSFB0003147 across all three.

NEFT to Jana Small Finance Bank Limited, KALOL using IFSC JSFB0003147

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 JSFB0003147, and confirm that the system picks up Jana Small Finance Bank Limited – KALOL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KALOL

If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's KALOL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0003147 while initiating the transfer and the credit will appear within minutes.

IMPS to Jana Small Finance Bank Limited KALOL (IFSC JSFB0003147)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0003147 in your mobile or internet banking app, and the money is credited to the KALOL branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC JSFB0003147 for Jana Small Finance Bank Limited – KALOL, 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 Kalol 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 JSFB0003147

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 – KALOL is still mapped to IFSC JSFB0003147. 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 JSFB0003147 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kalol branch is mapped to IFSC JSFB0003147 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 JSFB0003147.

Banking services available

The Kalol 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 JSFB0003147

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 JSFB0003147 and the account number together uniquely identify the Kalol branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC JSFB0003147

Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KALOL 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 JSFB0003147 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 – KALOL:

• The IFSC is exactly JSFB0003147 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 KALOL 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.

How to reach the Kalol branch

The branch is located at JANA SMALL FINANNCE BANK LTD,SHOP NO.104 TO 106,C WING,NAVJIVAN SHOPPING CENTER,KHOONI BANGLA CROSS ROAD,B/H COURT,MAHENDRA MILL ROAD,KALOL -382721, which puts it inside Kalol, the broader Kalol district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Jana Small Finance Bank Limited Kalol branch” — the verified location pin for IFSC JSFB0003147 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 JSFB0003147 and your account number.

Verifying IFSC JSFB0003147 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 JSFB0003147 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 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 Kalol branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JSFB0003147, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: JSFB0003147 is the IFSC code of Jana Small Finance Bank Limited, KALOL branch, in KALOL, GUJARAT. 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.