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

Below are the complete branch details for Jana Small Finance Bank Limited, MANIKAMARA branch, located in MANIKAMARA, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is JSFB0004859. 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 JSFB0004859 for Jana Small Finance Bank Limited – MANIKAMARA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 MANIKAMARA branch, the IFSC JSFB0004859 breaks down as follows: JSFB identifies the bank, 0 is the reserved character, and 004859 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 Manikamara branch — IFSC JSFB0004859 — extends the bank's services to customers in and around Manikamara, Odisha.

Manikamara branch overview

Located at AT-MANIKAMARA PANCHAYAT OFFICE,VIA-SARANG,PS - PARJANG,DIST-DHENKANAL-759146, the Manikamara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JSFB0004859 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 MANIKAMARA of Jana Small Finance Bank Limited — its own 11-character IFSC. The code JSFB0004859 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 JSFB0004859 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 JSFB0004859

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 JSFB0004859 across all three.

How to use IFSC JSFB0004859 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Jana Small Finance Bank Limited's MANIKAMARA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC JSFB0004859.
4. Confirm the bank name auto-populates as Jana Small Finance Bank Limited and the branch as MANIKAMARA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC JSFB0004859

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Jana Small Finance Bank Limited – MANIKAMARA, ensure your bank's portal accepts IFSC JSFB0004859 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jana Small Finance Bank Limited MANIKAMARA (IFSC JSFB0004859)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0004859 in your mobile or internet banking app, and the money is credited to the MANIKAMARA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Manikamara

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 JSFB0004859:

• 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 MANIKAMARA is still linked to IFSC JSFB0004859.

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.

UPI payments and IFSC JSFB0004859

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 – MANIKAMARA is still mapped to IFSC JSFB0004859. 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 JSFB0004859 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Manikamara branch is mapped to IFSC JSFB0004859 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 JSFB0004859.

Banking services available

The Manikamara 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 JSFB0004859

MICR & cheque-truncation details

Cheques drawn on the Manikamara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JSFB0004859 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC JSFB0004859

Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MANIKAMARA 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 JSFB0004859 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.

Common mistakes to avoid when using IFSC JSFB0004859

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 – MANIKAMARA, 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: JSFB0004859.
• 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.

How to reach the Manikamara branch

The branch is located at AT-MANIKAMARA PANCHAYAT OFFICE,VIA-SARANG,PS - PARJANG,DIST-DHENKANAL-759146, which puts it inside Manikamara, the broader Manikamara 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 Manikamara branch” — the verified location pin for IFSC JSFB0004859 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 JSFB0004859 and your account number.

Verifying IFSC JSFB0004859 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 JSFB0004859 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 Manikamara 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 JSFB0004859 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: JSFB0004859 is the IFSC code of Jana Small Finance Bank Limited, MANIKAMARA branch, in MANIKAMARA, ODISHA. 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.