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

Use this page as a one-stop reference for everything related to Jana Small Finance Bank Limited's OSAIPATTI branch in OSAIPATTI, TAMIL NADU. The branch's IFSC code JSFB0004873 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Jana Small Finance Bank Limited – OSAIPATTI is JSFB0004873. The first four letters JSFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004873 map to this branch in OSAIPATTI, TAMIL NADU.

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 Osaipatti branch in Osaipatti, Tamil Nadu is part of this network and uses the IFSC code JSFB0004873 for all electronic settlement.

Branch details at a glance

About the Osaipatti branch

The Osaipatti branch of Jana Small Finance Bank Limited is situated at JANA SMALL FINANCE BANK LTD,NO 394,MGR COLONY,OSAI-PATTI BUS STOP,VELLALAPALAYAM(POST),ANTHIYUR TALUK.TAMILNADU 638315. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code JSFB0004873 is used.

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 OSAIPATTI of Jana Small Finance Bank Limited — its own 11-character IFSC. The code JSFB0004873 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 JSFB0004873 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Osaipatti branch

Once you have an account at Jana Small Finance Bank Limited – OSAIPATTI, the IFSC JSFB0004873 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 Osaipatti branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9688677107.

• 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 JSFB0004873

How to transfer money using IFSC JSFB0004873

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 JSFB0004873 across all three.

NEFT to Jana Small Finance Bank Limited, OSAIPATTI using IFSC JSFB0004873

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 JSFB0004873, and confirm that the system picks up Jana Small Finance Bank Limited – OSAIPATTI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to OSAIPATTI

If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's OSAIPATTI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0004873 while initiating the transfer and the credit will appear within minutes.

IMPS to Jana Small Finance Bank Limited OSAIPATTI (IFSC JSFB0004873)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0004873 in your mobile or internet banking app, and the money is credited to the OSAIPATTI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC JSFB0004873 for Jana Small Finance Bank Limited – OSAIPATTI, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Osaipatti branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC JSFB0004873

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 – OSAIPATTI is still mapped to IFSC JSFB0004873. 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 JSFB0004873 and the beneficiary's account number to complete the transfer.

Online banking and IFSC JSFB0004873

Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the OSAIPATTI 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 JSFB0004873 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 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 JSFB0004873 and the account number together uniquely identify the Osaipatti branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC JSFB0004873

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 – OSAIPATTI, 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: JSFB0004873.
• 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 Osaipatti branch

The branch is located at JANA SMALL FINANCE BANK LTD,NO 394,MGR COLONY,OSAI-PATTI BUS STOP,VELLALAPALAYAM(POST),ANTHIYUR TALUK.TAMILNADU 638315, which puts it inside Osaipatti, the broader Erode district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Jana Small Finance Bank Limited Osaipatti branch” — the verified location pin for IFSC JSFB0004873 should appear at the top of the results.
2. Confirm the branch is open by calling 9688677107 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 JSFB0004873 and your account number.

Verifying IFSC JSFB0004873 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 JSFB0004873 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9688677107.
• Visiting the bank's official branch locator page.

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 Osaipatti branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JSFB0004873, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JSFB0004873 belongs to Jana Small Finance Bank Limited's OSAIPATTI branch, located at JANA SMALL FINANCE BANK LTD,NO 394,MGR COLONY,OSAI-PATTI BUS… in OSAIPATTI, TAMIL NADU. 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.