IFSC Code of Jana Small Finance Bank Limited, Machuatoli - Patna Branch, Bihar

Use this page as a one-stop reference for everything related to Jana Small Finance Bank Limited's MACHUATOLI - PATNA branch in PATNA, BIHAR. The branch's IFSC code JSFB0003134 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 – MACHUATOLI - PATNA is JSFB0003134. The first four letters JSFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003134 map to this branch in PATNA, BIHAR.

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 Machuatoli - Patna branch in Patna, Bihar is part of this network and uses the IFSC code JSFB0003134 for all electronic settlement.

Branch details at a glance

Machuatoli - Patna branch overview

Located at JANA SMALL FINANCE BANK LTD,1ST FLOOR,MOTHERS BUILDING,OPP.UNION BANK,MACHUATOLI,PATNA - 800004, the Machuatoli - Patna branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JSFB0003134 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 MACHUATOLI - PATNA branch came to be assigned the code JSFB0003134.

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 JSFB0003134, money simply cannot be routed to the MACHUATOLI - PATNA branch electronically.

Products and account variants supported

Every account opened at the Machuatoli - Patna branch is mapped to IFSC JSFB0003134 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 JSFB0003134.

Banking services available

The Machuatoli - Patna branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8405804372.

• 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 JSFB0003134

How to transfer money using IFSC JSFB0003134

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 JSFB0003134 across all three.

How to use IFSC JSFB0003134 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 MACHUATOLI - PATNA 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 JSFB0003134.
4. Confirm the bank name auto-populates as Jana Small Finance Bank Limited and the branch as MACHUATOLI - PATNA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to MACHUATOLI - PATNA

If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's MACHUATOLI - PATNA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0003134 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Jana Small Finance Bank Limited – MACHUATOLI - PATNA, use IMPS. With IFSC JSFB0003134 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC JSFB0003134 for Jana Small Finance Bank Limited – MACHUATOLI - PATNA, 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 Machuatoli - Patna 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.

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 MACHUATOLI - PATNA branch, the IFSC JSFB0003134 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.

Digital banking channels

Most day-to-day work that customers used to do at the Machuatoli - Patna 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 JSFB0003134 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.

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 JSFB0003134 and the account number together uniquely identify the Machuatoli - Patna branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – MACHUATOLI - PATNA:

• The IFSC is exactly JSFB0003134 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 MACHUATOLI - PATNA 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 Machuatoli - Patna branch

The branch is located at JANA SMALL FINANCE BANK LTD,1ST FLOOR,MOTHERS BUILDING,OPP.UNION BANK,MACHUATOLI,PATNA - 800004, which puts it inside Patna, the broader Patna 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 Machuatoli - Patna branch” — the verified location pin for IFSC JSFB0003134 should appear at the top of the results.
2. Confirm the branch is open by calling 8405804372 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 JSFB0003134 and your account number.

Verifying IFSC JSFB0003134 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 JSFB0003134 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8405804372.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Machuatoli - Patna 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 JSFB0003134 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JSFB0003134 belongs to Jana Small Finance Bank Limited's MACHUATOLI - PATNA branch, located at JANA SMALL FINANCE BANK LTD,1ST FLOOR,MOTHERS BUILDING,OPP.UNION… in PATNA, BIHAR. 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.