IFSC Code of Jana Small Finance Bank Limited, Motihari Branch, Bihar

This page lists the IFSC code, branch address, contact number and fund-transfer information for Jana Small Finance Bank Limited, MOTIHARI branch in MOTIHARI. The 11-digit IFSC JSFB0004541 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Jana Small Finance Bank Limited at the MOTIHARI location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 MOTIHARI branch, the IFSC JSFB0004541 breaks down as follows: JSFB identifies the bank, 0 is the reserved character, and 004541 identifies this particular branch.

Branch details at a glance

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 Motihari branch in Motihari, Bihar is part of this network and uses the IFSC code JSFB0004541 for all electronic settlement.

Motihari branch overview

Located at 1ST FLOOR BUILDING NAME PRIYA COMPLEX,RAJA BAZAR KHAYHA NO 2 KHESARA NO 241,MOTIHARI,845401,INDIA, the Motihari branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JSFB0004541 is required for all interbank electronic transfers routed through this branch.

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 MOTIHARI branch came to be assigned the code JSFB0004541.

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 JSFB0004541, money simply cannot be routed to the MOTIHARI branch electronically.

How to transfer money using IFSC JSFB0004541

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 JSFB0004541 across all three.

NEFT to Jana Small Finance Bank Limited, MOTIHARI using IFSC JSFB0004541

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 JSFB0004541, and confirm that the system picks up Jana Small Finance Bank Limited – MOTIHARI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC JSFB0004541

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 – MOTIHARI, ensure your bank's portal accepts IFSC JSFB0004541 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jana Small Finance Bank Limited MOTIHARI (IFSC JSFB0004541)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0004541 in your mobile or internet banking app, and the money is credited to the MOTIHARI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Motihari

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 JSFB0004541:

• 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 MOTIHARI is still linked to IFSC JSFB0004541.

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 MOTIHARI branch, the IFSC JSFB0004541 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 Motihari branch is mapped to IFSC JSFB0004541 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 JSFB0004541.

Products and services

Customers walking into the Motihari 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 JSFB0004541

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 JSFB0004541 and the account number together uniquely identify the Motihari branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Motihari 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 JSFB0004541 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.

Common mistakes to avoid when using IFSC JSFB0004541

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 – MOTIHARI, 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: JSFB0004541.
• 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 Motihari branch

The branch is located at 1ST FLOOR BUILDING NAME PRIYA COMPLEX,RAJA BAZAR KHAYHA NO 2 KHESARA NO 241,MOTIHARI,845401,INDIA, which puts it inside Motihari, the broader Motihari district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Jana Small Finance Bank Limited Motihari branch” — the verified location pin for IFSC JSFB0004541 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 JSFB0004541 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JSFB0004541 for Jana Small Finance Bank Limited – MOTIHARI, 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Motihari branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JSFB0004541, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: JSFB0004541 is the IFSC code of Jana Small Finance Bank Limited, MOTIHARI branch, in MOTIHARI, BIHAR. 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.