IFSC Code of Jana Small Finance Bank Limited, Khordha Branch, Odisha

Use this page as a one-stop reference for everything related to Jana Small Finance Bank Limited's KHORDHA branch in KHORDHA, ODISHA. The branch's IFSC code JSFB0004653 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 KHORDHA branch, the IFSC JSFB0004653 breaks down as follows: JSFB identifies the bank, 0 is the reserved character, and 004653 identifies this particular branch.

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 Khordha branch — IFSC JSFB0004653 — extends the bank's services to customers in and around Khordha, Odisha.

Khordha branch overview

Located at LAXMI NARAYAN KALAYN MANDAP, PLOT NO 9974237 AND 344363, UPARSAHI, 1ST FLOOR, KHORDHA, PIN752055, ODISHA, the Khordha branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JSFB0004653 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 KHORDHA of Jana Small Finance Bank Limited — its own 11-character IFSC. The code JSFB0004653 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 JSFB0004653 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 JSFB0004653

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 JSFB0004653 across all three.

NEFT to Jana Small Finance Bank Limited, KHORDHA using IFSC JSFB0004653

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 JSFB0004653, and confirm that the system picks up Jana Small Finance Bank Limited – KHORDHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KHORDHA

If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's KHORDHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0004653 while initiating the transfer and the credit will appear within minutes.

IMPS to Jana Small Finance Bank Limited KHORDHA (IFSC JSFB0004653)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0004653 in your mobile or internet banking app, and the money is credited to the KHORDHA branch account within seconds.

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

All three modes accept the IFSC JSFB0004653 for Jana Small Finance Bank Limited – KHORDHA, 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 Khordha 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.

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 KHORDHA branch, the IFSC JSFB0004653 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 Khordha branch is mapped to IFSC JSFB0004653 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 JSFB0004653.

Banking services available

The Khordha 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 JSFB0004653

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 JSFB0004653 and the account number together uniquely identify the Khordha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC JSFB0004653

Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KHORDHA 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 JSFB0004653 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 – KHORDHA:

• The IFSC is exactly JSFB0004653 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 KHORDHA 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 Khordha branch

The branch is located at LAXMI NARAYAN KALAYN MANDAP, PLOT NO 9974237 AND 344363, UPARSAHI, 1ST FLOOR, KHORDHA, PIN752055, ODISHA, which puts it inside Khordha, the broader Khurda district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Jana Small Finance Bank Limited Khordha branch” — the verified location pin for IFSC JSFB0004653 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 JSFB0004653 and your account number.

Verifying IFSC JSFB0004653 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 JSFB0004653 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.

Working hours

Branch counters at Khordha 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 JSFB0004653 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JSFB0004653 belongs to Jana Small Finance Bank Limited's KHORDHA branch, located at LAXMI NARAYAN KALAYN MANDAP, PLOT NO 9974237 AND 344363, UPARSAHI, 1ST FLOOR,… in KHORDHA, ODISHA. 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.