IFSC Code of Jana Small Finance Bank Limited, Lakshminagar Branch, Maharashtra

If you are searching for the IFSC code of Jana Small Finance Bank Limited, LAKSHMINAGAR branch in NAGPUR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is JSFB0004574. 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 LAKSHMINAGAR branch, and detailed step-by-step guides for using the IFSC JSFB0004574 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.

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, JSFB0004574 is the IFSC of Jana Small Finance Bank Limited's LAKSHMINAGAR branch. The format is fixed: JSFB = bank code, 0 = reserved, 004574 = branch identifier.

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 Lakshminagar branch in Nagpur, Maharashtra is part of this network and uses the IFSC code JSFB0004574 for all electronic settlement.

Lakshminagar branch overview

Located at GROUND FLOOR, PLOT NO08, HOUSE NO245, 8 RASTA SQARE, LAKSHMI NAGAR, MOUZAAJNI, TAHSIL AND DIST NAGPUR, MAHARASHTRAPIN440022, the Lakshminagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JSFB0004574 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 LAKSHMINAGAR branch came to be assigned the code JSFB0004574.

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 JSFB0004574, money simply cannot be routed to the LAKSHMINAGAR branch electronically.

How to transfer money using IFSC JSFB0004574

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 JSFB0004574 across all three.

NEFT to Jana Small Finance Bank Limited, LAKSHMINAGAR using IFSC JSFB0004574

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 JSFB0004574, and confirm that the system picks up Jana Small Finance Bank Limited – LAKSHMINAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LAKSHMINAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's LAKSHMINAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0004574 while initiating the transfer and the credit will appear within minutes.

IMPS to Jana Small Finance Bank Limited LAKSHMINAGAR (IFSC JSFB0004574)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0004574 in your mobile or internet banking app, and the money is credited to the LAKSHMINAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Lakshminagar

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 JSFB0004574:

• 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 LAKSHMINAGAR is still linked to IFSC JSFB0004574.

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 JSFB0004574

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 – LAKSHMINAGAR is still mapped to IFSC JSFB0004574. 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 JSFB0004574 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Lakshminagar branch is mapped to IFSC JSFB0004574 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 JSFB0004574.

Products and services

Customers walking into the Lakshminagar 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 JSFB0004574

MICR & cheque-truncation details

Cheques drawn on the Lakshminagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JSFB0004574 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Lakshminagar 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 JSFB0004574 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.

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 – LAKSHMINAGAR:

• The IFSC is exactly JSFB0004574 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 LAKSHMINAGAR 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 Lakshminagar branch

The branch is located at GROUND FLOOR, PLOT NO08, HOUSE NO245, 8 RASTA SQARE, LAKSHMI NAGAR, MOUZAAJNI, TAHSIL AND DIST NAGPUR, MAHARASHTRAPIN440022, which puts it inside Nagpur, the broader Nagpur district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Jana Small Finance Bank Limited Lakshminagar branch” — the verified location pin for IFSC JSFB0004574 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 JSFB0004574 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JSFB0004574 for Jana Small Finance Bank Limited – LAKSHMINAGAR, 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 Lakshminagar 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 JSFB0004574 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JSFB0004574 belongs to Jana Small Finance Bank Limited's LAKSHMINAGAR branch, located at GROUND FLOOR, PLOT NO08, HOUSE NO245, 8 RASTA SQARE, LAKSHMI NAGAR, MOUZAAJNI,… in NAGPUR, MAHARASHTRA. 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.