IFSC Code of Jana Small Finance Bank Limited, Khairthal Branch, Rajasthan

If you are searching for the IFSC code of Jana Small Finance Bank Limited, KHAIRTHAL branch in KHAIRTHAL, RAJASTHAN, this page has every detail you need. The verified IFSC code for this branch is JSFB0004963. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KHAIRTHAL branch, and detailed step-by-step guides for using the IFSC JSFB0004963 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 KHAIRTHAL branch, the IFSC JSFB0004963 breaks down as follows: JSFB identifies the bank, 0 is the reserved character, and 004963 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 Khairthal branch in Khairthal, Rajasthan is part of this network and uses the IFSC code JSFB0004963 for all electronic settlement.

Khairthal branch overview

Located at JANA SMALL FINANCE BANK LTD,KHASRA NO.2345,BETWEEN AGARSEN CIRCLE TO PETROL PUMP,MOTOR ROAD,KHAIRTHAL,TEHSIL-KISHANGARH BAS,DISTT - ALWAR,RAJASTHAN -301404, the Khairthal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JSFB0004963 is required for all interbank electronic transfers routed through this branch.

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 KHAIRTHAL branch came to be assigned the code JSFB0004963.

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 JSFB0004963, money simply cannot be routed to the KHAIRTHAL branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Khairthal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JSFB0004963 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 JSFB0004963

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 JSFB0004963 across all three.

NEFT to Jana Small Finance Bank Limited, KHAIRTHAL using IFSC JSFB0004963

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 JSFB0004963, and confirm that the system picks up Jana Small Finance Bank Limited – KHAIRTHAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KHAIRTHAL

If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's KHAIRTHAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0004963 while initiating the transfer and the credit will appear within minutes.

IMPS to Jana Small Finance Bank Limited KHAIRTHAL (IFSC JSFB0004963)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0004963 in your mobile or internet banking app, and the money is credited to the KHAIRTHAL branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Khairthal

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 JSFB0004963:

• 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 KHAIRTHAL is still linked to IFSC JSFB0004963.

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.

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 KHAIRTHAL branch, the IFSC JSFB0004963 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.

Products and account variants supported

Every account opened at the Khairthal branch is mapped to IFSC JSFB0004963 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 JSFB0004963.

Products and services

Customers walking into the Khairthal 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 JSFB0004963

Digital banking channels

Most day-to-day work that customers used to do at the Khairthal 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 JSFB0004963 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 Khairthal branch

The branch is located at JANA SMALL FINANCE BANK LTD,KHASRA NO.2345,BETWEEN AGARSEN CIRCLE TO PETROL PUMP,MOTOR ROAD,KHAIRTHAL,TEHSIL-KISHANGARH BAS,DISTT - ALWAR,RAJASTHAN -301404, which puts it inside Khairthal, the broader Alwar district, and the state of Rajasthan. To plan your visit:

1. Open Google Maps on your phone and search for “Jana Small Finance Bank Limited Khairthal branch” — the verified location pin for IFSC JSFB0004963 should appear at the top of the results.
2. Confirm the branch is open by calling 9571003530 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 JSFB0004963 and your account number.

Common mistakes to avoid when using IFSC JSFB0004963

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 – KHAIRTHAL, 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: JSFB0004963.
• 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.

Working hours

Branch counters at Khairthal 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 JSFB0004963 continue to work without interruption.

Verifying IFSC JSFB0004963 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 JSFB0004963 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9571003530.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: JSFB0004963 is the IFSC code of Jana Small Finance Bank Limited, KHAIRTHAL branch, in KHAIRTHAL, RAJASTHAN. 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.