IFSC Code of Jana Small Finance Bank Limited, Sagara - Kutra Branch, Odisha

If you are searching for the IFSC code of Jana Small Finance Bank Limited, SAGARA - KUTRA branch in SAGARA - KUTRA, ODISHA, this page has every detail you need. The verified IFSC code for this branch is JSFB0004997. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SAGARA - KUTRA branch, and detailed step-by-step guides for using the IFSC JSFB0004997 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 – SAGARA - KUTRA is JSFB0004997. The first four letters JSFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004997 map to this branch in SAGARA - KUTRA, ODISHA.

Branch details at a glance

Bank profile

Jana Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Sagara - Kutra branch — IFSC JSFB0004997 — extends the bank's services to customers in and around Sagara - Kutra, Odisha.

About the Sagara - Kutra branch

The Sagara - Kutra branch of Jana Small Finance Bank Limited is situated at JANA SMALL FINANCE BANK LTD.AT-PO -KUTRA,NEAR TVS SHOWROOM,BLOCK-KUTRA,DIST-SUNDERGARH,OR-770018. 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 JSFB0004997 is used.

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 SAGARA - KUTRA branch came to be assigned the code JSFB0004997.

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 JSFB0004997, money simply cannot be routed to the SAGARA - KUTRA branch electronically.

How to transfer money using IFSC JSFB0004997

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 JSFB0004997 across all three.

How to use IFSC JSFB0004997 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 SAGARA - KUTRA 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 JSFB0004997.
4. Confirm the bank name auto-populates as Jana Small Finance Bank Limited and the branch as SAGARA - KUTRA.
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 SAGARA - KUTRA

If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's SAGARA - KUTRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0004997 while initiating the transfer and the credit will appear within minutes.

IMPS to Jana Small Finance Bank Limited SAGARA - KUTRA (IFSC JSFB0004997)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0004997 in your mobile or internet banking app, and the money is credited to the SAGARA - KUTRA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sagara - Kutra

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 JSFB0004997:

• 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 SAGARA - KUTRA is still linked to IFSC JSFB0004997.

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 JSFB0004997

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 – SAGARA - KUTRA is still mapped to IFSC JSFB0004997. 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 JSFB0004997 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Sagara - Kutra branch is mapped to IFSC JSFB0004997 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 JSFB0004997.

Products and services

Customers walking into the Sagara - Kutra 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 JSFB0004997

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 JSFB0004997 and the account number together uniquely identify the Sagara - Kutra branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC JSFB0004997

Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SAGARA - KUTRA 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 JSFB0004997 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.

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 – SAGARA - KUTRA:

• The IFSC is exactly JSFB0004997 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 SAGARA - KUTRA 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 Sagara - Kutra branch sits at JANA SMALL FINANCE BANK LTD.AT-PO -KUTRA,NEAR TVS SHOWROOM,BLOCK-KUTRA,DIST-SUNDERGARH,OR-770018. If you are travelling from outside Sagara - Kutra, 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 JSFB0004997 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JSFB0004997 for Jana Small Finance Bank Limited – SAGARA - KUTRA, 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 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 Sagara - Kutra branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JSFB0004997, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: JSFB0004997 is the IFSC code of Jana Small Finance Bank Limited, SAGARA - KUTRA branch, in SAGARA - KUTRA, ODISHA. 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.