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

If you are searching for the IFSC code of Jana Small Finance Bank Limited, GARADIYA branch in MAHISAGAR, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is JSFB0004870. 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 GARADIYA branch, and detailed step-by-step guides for using the IFSC JSFB0004870 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 GARADIYA branch, the IFSC JSFB0004870 breaks down as follows: JSFB identifies the bank, 0 is the reserved character, and 004870 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 Garadiya branch in Mahisagar, Gujarat is part of this network and uses the IFSC code JSFB0004870 for all electronic settlement.

About this branch

The branch is located at JANA SMALL FINANCE BANK,MOJE GARADIYA,KHATA NO 287,PO GADA,GARADIYA,TALUKA SANTRAMPUR,DISTRICT MAHISAGAR,389260. It serves the Mahisagar 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 JSFB0004870 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 GARADIYA of Jana Small Finance Bank Limited — its own 11-character IFSC. The code JSFB0004870 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 JSFB0004870 the same way you would treat your account number — verify it once and save it carefully for future use.

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 JSFB0004870 and the account number together uniquely identify the Garadiya branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC JSFB0004870

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 JSFB0004870 across all three.

NEFT to Jana Small Finance Bank Limited, GARADIYA using IFSC JSFB0004870

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 JSFB0004870, and confirm that the system picks up Jana Small Finance Bank Limited – GARADIYA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GARADIYA

If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's GARADIYA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0004870 while initiating the transfer and the credit will appear within minutes.

IMPS to Jana Small Finance Bank Limited GARADIYA (IFSC JSFB0004870)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0004870 in your mobile or internet banking app, and the money is credited to the GARADIYA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Garadiya

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 JSFB0004870:

• 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 GARADIYA is still linked to IFSC JSFB0004870.

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 GARADIYA branch, the IFSC JSFB0004870 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.

Account types you can open at the Garadiya branch

Once you have an account at Jana Small Finance Bank Limited – GARADIYA, the IFSC JSFB0004870 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 Garadiya branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8140804038.

• 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 JSFB0004870

Online banking and IFSC JSFB0004870

Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GARADIYA 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 JSFB0004870 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.

How to reach the Garadiya branch

The branch is located at JANA SMALL FINANCE BANK,MOJE GARADIYA,KHATA NO 287,PO GADA,GARADIYA,TALUKA SANTRAMPUR,DISTRICT MAHISAGAR,389260, which puts it inside Mahisagar, the broader Mahisagar 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 Garadiya branch” — the verified location pin for IFSC JSFB0004870 should appear at the top of the results.
2. Confirm the branch is open by calling 8140804038 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 JSFB0004870 and your account number.

Common mistakes to avoid when using IFSC JSFB0004870

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 – GARADIYA, 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: JSFB0004870.
• 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 Garadiya 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 JSFB0004870 continue to work without interruption.

Verifying IFSC JSFB0004870 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 JSFB0004870 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8140804038.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: JSFB0004870 is the IFSC code of Jana Small Finance Bank Limited, GARADIYA branch, in MAHISAGAR, 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.