IFSC Code of Jana Small Finance Bank Limited, Ramgarh Branch, Jharkhand

Use this page as a one-stop reference for everything related to Jana Small Finance Bank Limited's RAMGARH branch in RAMGARH, JHARKHAND. The branch's IFSC code JSFB0003543 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 – RAMGARH is JSFB0003543. The first four letters JSFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003543 map to this branch in RAMGARH, JHARKHAND.

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 Ramgarh branch in Ramgarh, Jharkhand is part of this network and uses the IFSC code JSFB0003543 for all electronic settlement.

Ramgarh branch overview

Located at JANA SMALL FINANCE BANK LTD,1ST FLOOR,NEAR ICICI BANK,MAIN ROAD NH-33,MOKARARILSTAMMARARI,RAMGARH CANT,JHARKHAND - 829122,INDIA, the Ramgarh branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JSFB0003543 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 RAMGARH of Jana Small Finance Bank Limited — its own 11-character IFSC. The code JSFB0003543 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 JSFB0003543 the same way you would treat your account number — verify it once and save it carefully for future use.

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 JSFB0003543 and the account number together uniquely identify the Ramgarh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC JSFB0003543

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 JSFB0003543 across all three.

How to use IFSC JSFB0003543 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 RAMGARH 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 JSFB0003543.
4. Confirm the bank name auto-populates as Jana Small Finance Bank Limited and the branch as RAMGARH.
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 RAMGARH

If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's RAMGARH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0003543 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 – RAMGARH, use IMPS. With IFSC JSFB0003543 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 Ramgarh

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 JSFB0003543:

• 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 RAMGARH is still linked to IFSC JSFB0003543.

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.

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 RAMGARH branch, the IFSC JSFB0003543 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.

Products and account variants supported

Every account opened at the Ramgarh branch is mapped to IFSC JSFB0003543 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 JSFB0003543.

Products and services

Customers walking into the Ramgarh 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 JSFB0003543

Online banking and IFSC JSFB0003543

Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RAMGARH 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 JSFB0003543 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.

Reaching the branch

The Ramgarh branch sits at JANA SMALL FINANCE BANK LTD,1ST FLOOR,NEAR ICICI BANK,MAIN ROAD NH-33,MOKARARILSTAMMARARI,RAMGARH CANT,JHARKHAND - 829122,INDIA. If you are travelling from outside Ramgarh, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 JSFB0003543 and your account number.

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 – RAMGARH:

• The IFSC is exactly JSFB0003543 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 RAMGARH 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.

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 Ramgarh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JSFB0003543, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JSFB0003543 for Jana Small Finance Bank Limited – RAMGARH, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JSFB0003543 belongs to Jana Small Finance Bank Limited's RAMGARH branch, located at JANA SMALL FINANCE BANK LTD,1ST FLOOR,NEAR ICICI BANK,MAIN ROAD… in RAMGARH, JHARKHAND. 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.