IFSC Code of Jana Small Finance Bank Limited, Mahasamund Municipality Branch, Chhattisgarh

Below are the complete branch details for Jana Small Finance Bank Limited, MAHASAMUND MUNICIPALITY branch, located in MAHASAMUND, CHHATTISGARH. The IFSC assigned by the Reserve Bank of India to this branch is JSFB0004631. 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 JSFB0004631 for Jana Small Finance Bank Limited – MAHASAMUND MUNICIPALITY — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, JSFB0004631 is the IFSC of Jana Small Finance Bank Limited's MAHASAMUND MUNICIPALITY branch. The format is fixed: JSFB = bank code, 0 = reserved, 004631 = branch identifier.

Bank profile

Jana Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Mahasamund Municipality branch — IFSC JSFB0004631 — extends the bank's services to customers in and around Mahasamund, Chhattisgarh.

Branch details at a glance

About this branch

The branch is located at OPPOSITE RAILWAY STATION BESIDE VIJAYA BANK MAHASUMUND 493445. It serves the Mahasamund 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 JSFB0004631 is used to identify this branch on the RBI payments network.

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 MAHASAMUND MUNICIPALITY branch came to be assigned the code JSFB0004631.

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 JSFB0004631, money simply cannot be routed to the MAHASAMUND MUNICIPALITY branch electronically.

Account types you can open at the Mahasamund Municipality branch

Once you have an account at Jana Small Finance Bank Limited – MAHASAMUND MUNICIPALITY, the IFSC JSFB0004631 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.

Products and services

Customers walking into the Mahasamund Municipality 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 JSFB0004631

How to transfer money using IFSC JSFB0004631

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 JSFB0004631 across all three.

NEFT to Jana Small Finance Bank Limited, MAHASAMUND MUNICIPALITY using IFSC JSFB0004631

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 JSFB0004631, and confirm that the system picks up Jana Small Finance Bank Limited – MAHASAMUND MUNICIPALITY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MAHASAMUND MUNICIPALITY

If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's MAHASAMUND MUNICIPALITY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0004631 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Jana Small Finance Bank Limited – MAHASAMUND MUNICIPALITY, use IMPS. With IFSC JSFB0004631 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 JSFB0004631 for Jana Small Finance Bank Limited – MAHASAMUND MUNICIPALITY, 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 Mahasamund Municipality 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 JSFB0004631

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 – MAHASAMUND MUNICIPALITY is still mapped to IFSC JSFB0004631. 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 JSFB0004631 and the beneficiary's account number to complete the transfer.

Online banking and IFSC JSFB0004631

Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MAHASAMUND MUNICIPALITY 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 JSFB0004631 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.

MICR & cheque-truncation details

Cheques drawn on the Mahasamund Municipality branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JSFB0004631 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – MAHASAMUND MUNICIPALITY:

• The IFSC is exactly JSFB0004631 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 MAHASAMUND MUNICIPALITY 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 Mahasamund Municipality branch sits at OPPOSITE RAILWAY STATION BESIDE VIJAYA BANK MAHASUMUND 493445. If you are travelling from outside Mahasamund, 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 JSFB0004631 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JSFB0004631 for Jana Small Finance Bank Limited – MAHASAMUND MUNICIPALITY, 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 Mahasamund Municipality 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 JSFB0004631 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: JSFB0004631 is the IFSC code of Jana Small Finance Bank Limited, MAHASAMUND MUNICIPALITY branch, in MAHASAMUND, CHHATTISGARH. 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.