IFSC Code of Jana Small Finance Bank Limited, Prayagraj-1 Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Jana Small Finance Bank Limited, PRAYAGRAJ-1 branch in PRAYAGRAJ-1. The 11-digit IFSC JSFB0003097 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 PRAYAGRAJ-1 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, JSFB0003097 is the IFSC of Jana Small Finance Bank Limited's PRAYAGRAJ-1 branch. The format is fixed: JSFB = bank code, 0 = reserved, 003097 = 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 Prayagraj-1 branch in Prayagraj-1, Gujarat is part of this network and uses the IFSC code JSFB0003097 for all electronic settlement.

About this branch

The branch is located at JANA SMALL FINANCE BANK LTD,1SR FLOOR,SHIVALIK COMPLEX,SHOP NO.F-1 AND F-2,SITUATED IN NARAYANPURA,AMI KUNJ CROSS ROAD,NR.NARAYANPURA POST OFFICE,AHMEDABAD - 380013. It serves the Prayagraj-1 region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Jana Small Finance Bank Limited. The IFSC JSFB0003097 is used to identify this branch on the RBI payments network.

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 PRAYAGRAJ-1 branch came to be assigned the code JSFB0003097.

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 JSFB0003097, money simply cannot be routed to the PRAYAGRAJ-1 branch electronically.

How to transfer money using IFSC JSFB0003097

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 JSFB0003097 across all three.

NEFT to Jana Small Finance Bank Limited, PRAYAGRAJ-1 using IFSC JSFB0003097

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 JSFB0003097, and confirm that the system picks up Jana Small Finance Bank Limited – PRAYAGRAJ-1. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC JSFB0003097

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 – PRAYAGRAJ-1, ensure your bank's portal accepts IFSC JSFB0003097 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jana Small Finance Bank Limited PRAYAGRAJ-1 (IFSC JSFB0003097)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0003097 in your mobile or internet banking app, and the money is credited to the PRAYAGRAJ-1 branch account within seconds.

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

All three modes accept the IFSC JSFB0003097 for Jana Small Finance Bank Limited – PRAYAGRAJ-1, 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 Prayagraj-1 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 JSFB0003097

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 – PRAYAGRAJ-1 is still mapped to IFSC JSFB0003097. 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 JSFB0003097 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Prayagraj-1 branch is mapped to IFSC JSFB0003097 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 JSFB0003097.

Products and services

Customers walking into the Prayagraj-1 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 JSFB0003097

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 JSFB0003097 and the account number together uniquely identify the Prayagraj-1 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 Prayagraj-1 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 JSFB0003097 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 – PRAYAGRAJ-1:

• The IFSC is exactly JSFB0003097 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 PRAYAGRAJ-1 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 Prayagraj-1 branch

The branch is located at JANA SMALL FINANCE BANK LTD,1SR FLOOR,SHIVALIK COMPLEX,SHOP NO.F-1 AND F-2,SITUATED IN NARAYANPURA,AMI KUNJ CROSS ROAD,NR.NARAYANPURA POST OFFICE,AHMEDABAD - 380013, which puts it inside Prayagraj-1, the broader Gatlodiya district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Jana Small Finance Bank Limited Prayagraj-1 branch” — the verified location pin for IFSC JSFB0003097 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 JSFB0003097 and your account number.

Verifying IFSC JSFB0003097 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 JSFB0003097 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• 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 Prayagraj-1 branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JSFB0003097, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: JSFB0003097 is the IFSC code of Jana Small Finance Bank Limited, PRAYAGRAJ-1 branch, in PRAYAGRAJ-1, GUJARAT. 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.