Use this page as a one-stop reference for everything related to Jana Small Finance Bank Limited's GHODACH branch in RAJSAMAD, RAJASTHAN. The branch's IFSC code JSFB0004872 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.
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, JSFB0004872 is the IFSC of Jana Small Finance Bank Limited's GHODACH branch. The format is fixed: JSFB = bank code, 0 = reserved, 004872 = branch identifier.
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 Ghodach branch in Rajsamad, Rajasthan is part of this network and uses the IFSC code JSFB0004872 for all electronic settlement.
Branch details at a glance
| Bank Name | Jana Small Finance Bank Limited |
|---|---|
| Branch | Ghodach |
| IFSC Code | JSFB0004872 |
| MICR Code | Refer to cheque leaf |
| Branch Address | JANA SMALL FINANCE BANK LTD,NEAR GHODACH POST OFFICE,PANCHAYAT GHODACH,TEH NATHDWARA,DISTT RAJSAMAD,RAJASTHAN 313011 |
| City | Rajsamad |
| District | Rajsamad |
| State | Rajasthan |
| Phone | 7014118966 |
Ghodach branch overview
Located at JANA SMALL FINANCE BANK LTD,NEAR GHODACH POST OFFICE,PANCHAYAT GHODACH,TEH NATHDWARA,DISTT RAJSAMAD,RAJASTHAN 313011, the Ghodach branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JSFB0004872 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 GHODACH of Jana Small Finance Bank Limited — its own 11-character IFSC. The code JSFB0004872 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 JSFB0004872 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 Ghodach branch is mapped to IFSC JSFB0004872 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 JSFB0004872.
Products and services
Customers walking into the Ghodach 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 JSFB0004872
How to transfer money using IFSC JSFB0004872
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 JSFB0004872 across all three.
NEFT to Jana Small Finance Bank Limited, GHODACH using IFSC JSFB0004872
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 JSFB0004872, and confirm that the system picks up Jana Small Finance Bank Limited – GHODACH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC JSFB0004872
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 – GHODACH, ensure your bank's portal accepts IFSC JSFB0004872 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Jana Small Finance Bank Limited – GHODACH, use IMPS. With IFSC JSFB0004872 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Ghodach
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 JSFB0004872:
- 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 GHODACH is still linked to IFSC JSFB0004872.
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 JSFB0004872
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 – GHODACH is still mapped to IFSC JSFB0004872. 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 JSFB0004872 and the beneficiary's account number to complete the transfer.
Online banking and IFSC JSFB0004872
Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GHODACH 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 JSFB0004872 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 Ghodach branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JSFB0004872 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – GHODACH:
- The IFSC is exactly JSFB0004872 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 GHODACH 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.
Reaching the branch
The Ghodach branch sits at JANA SMALL FINANCE BANK LTD,NEAR GHODACH POST OFFICE,PANCHAYAT GHODACH,TEH NATHDWARA,DISTT RAJSAMAD,RAJASTHAN 313011. If you are travelling from outside Rajsamad, search for the branch on a maps application using the bank name and locality, or call 7014118966 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 JSFB0004872 and your account number.
Verifying IFSC JSFB0004872 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 JSFB0004872 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 7014118966.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ghodach 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 JSFB0004872 continue to work without interruption.
Branch address & contact
Jana Small Finance Bank LimitedGhodach Branch
JANA SMALL FINANCE BANK LTD,NEAR GHODACH POST OFFICE,PANCHAYAT GHODACH,TEH NATHDWARA,DISTT RAJSAMAD,RAJASTHAN 313011
Rajsamad, Rajasthan
Phone: 7014118966
IFSC: JSFB0004872
Frequently asked questions
Where is Jana Small Finance Bank Limited Ghodach branch located?
Jana Small Finance Bank Limited's Ghodach branch is located at JANA SMALL FINANCE BANK LTD,NEAR GHODACH POST OFFICE,PANCHAYAT GHODACH,TEH NATHDWARA,DISTT RAJSAMAD,RAJASTHAN 313011, Rajsamad, Rajasthan.
How do I add Jana Small Finance Bank Limited Ghodach as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC JSFB0004872, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC JSFB0004872 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC JSFB0004872 to send funds instantly.
How quickly will an NEFT transfer using JSFB0004872 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Jana Small Finance Bank Limited – Ghodach reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Ghodach branch but serve different purposes.
What is the phone number of Jana Small Finance Bank Limited Ghodach branch?
You can reach the branch at 7014118966 during regular banking hours.
Is IFSC JSFB0004872 the same for all accounts at Ghodach branch?
Yes. The IFSC JSFB0004872 is shared by every account held at Jana Small Finance Bank Limited's Ghodach branch. Only the account number changes from customer to customer.
Summary
The IFSC code JSFB0004872 belongs to Jana Small Finance Bank Limited's GHODACH branch, located at JANA SMALL FINANCE BANK LTD,NEAR GHODACH POST OFFICE,PANCHAYAT GHODACH,TEH… in RAJSAMAD, RAJASTHAN. 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.
