IFSC Code of Jana Small Finance Bank Limited, Nathamkariacheri Branch, Tamil Nadu

This page lists the IFSC code, branch address, contact number and fund-transfer information for Jana Small Finance Bank Limited, NATHAMKARIACHERI branch in NATHAMKARIACHERI. The 11-digit IFSC JSFB0004001 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 NATHAMKARIACHERI 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.

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, JSFB0004001 is the IFSC of Jana Small Finance Bank Limited's NATHAMKARIACHERI branch. The format is fixed: JSFB = bank code, 0 = reserved, 004001 = branch identifier.

About Jana Small Finance Bank Limited

Jana Small Finance Bank Limited operates a wide network of branches across India, including the Nathamkariacheri branch in Nathamkariacheri. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, JSFB0004001.

Branch details at a glance

Nathamkariacheri branch overview

Located at JANA SMALL FINANCE BANK LTD,SURVEY NO.1-1A3,GROUND FLOORSHOP NO 7,8,9,SOUTH SIDE OF J.M.D COMPLEX,SADRAS MAIN ROAD,NARASANGKUPPAM,ANUPURAM,CHENGALPATTU DISTRICT 603109, the Nathamkariacheri branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JSFB0004001 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 NATHAMKARIACHERI of Jana Small Finance Bank Limited — its own 11-character IFSC. The code JSFB0004001 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 JSFB0004001 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Nathamkariacheri branch is mapped to IFSC JSFB0004001 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 JSFB0004001.

Products and services

Customers walking into the Nathamkariacheri 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 JSFB0004001

How to transfer money using IFSC JSFB0004001

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 JSFB0004001 across all three.

NEFT to Jana Small Finance Bank Limited, NATHAMKARIACHERI using IFSC JSFB0004001

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 JSFB0004001, and confirm that the system picks up Jana Small Finance Bank Limited – NATHAMKARIACHERI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC JSFB0004001

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 – NATHAMKARIACHERI, ensure your bank's portal accepts IFSC JSFB0004001 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jana Small Finance Bank Limited NATHAMKARIACHERI (IFSC JSFB0004001)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0004001 in your mobile or internet banking app, and the money is credited to the NATHAMKARIACHERI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Nathamkariacheri

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 JSFB0004001:

• 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 NATHAMKARIACHERI is still linked to IFSC JSFB0004001.

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 JSFB0004001

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 – NATHAMKARIACHERI is still mapped to IFSC JSFB0004001. 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 JSFB0004001 and the beneficiary's account number to complete the transfer.

Online banking and IFSC JSFB0004001

Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NATHAMKARIACHERI 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 JSFB0004001 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 Nathamkariacheri branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JSFB0004001 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC JSFB0004001

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 – NATHAMKARIACHERI, 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: JSFB0004001.
• 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.

Reaching the branch

The Nathamkariacheri branch sits at JANA SMALL FINANCE BANK LTD,SURVEY NO.1-1A3,GROUND FLOORSHOP NO 7,8,9,SOUTH SIDE OF J.M.D COMPLEX,SADRAS MAIN ROAD,NARASANGKUPPAM,ANUPURAM,CHENGALPATTU DISTRICT 603109. If you are travelling from outside Nathamkariacheri, search for the branch on a maps application using the bank name and locality, or call 8939829082 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 JSFB0004001 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JSFB0004001 for Jana Small Finance Bank Limited – NATHAMKARIACHERI, 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 Nathamkariacheri 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 JSFB0004001 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: JSFB0004001 is the IFSC code of Jana Small Finance Bank Limited, NATHAMKARIACHERI branch, in NATHAMKARIACHERI, TAMIL NADU. 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.