This page lists the IFSC code, branch address, contact number and fund-transfer information for Jana Small Finance Bank Limited, SALAPADA branch in SALAPADA. The 11-digit IFSC JSFB0004868 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 SALAPADA 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Jana Small Finance Bank Limited's SALAPADA branch, the IFSC JSFB0004868 breaks down as follows: JSFB identifies the bank, 0 is the reserved character, and 004868 identifies this particular branch.
Branch details at a glance
| Bank Name | Jana Small Finance Bank Limited |
|---|---|
| Branch | Salapada |
| IFSC Code | JSFB0004868 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT/PO-SALAPADA,VIA-BADACHANA,DIST-JAJAPUR,PIN-754082 |
| City | Salapada |
| District | Salapada |
| State | Odisha |
Bank profile
Jana Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Salapada branch — IFSC JSFB0004868 — extends the bank's services to customers in and around Salapada, Odisha.
About this branch
The branch is located at AT/PO-SALAPADA,VIA-BADACHANA,DIST-JAJAPUR,PIN-754082. It serves the Salapada 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 JSFB0004868 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 SALAPADA branch came to be assigned the code JSFB0004868.
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 JSFB0004868, money simply cannot be routed to the SALAPADA branch electronically.
How to transfer money using IFSC JSFB0004868
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 JSFB0004868 across all three.
NEFT to Jana Small Finance Bank Limited, SALAPADA using IFSC JSFB0004868
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 JSFB0004868, and confirm that the system picks up Jana Small Finance Bank Limited – SALAPADA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC JSFB0004868
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 – SALAPADA, ensure your bank's portal accepts IFSC JSFB0004868 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 – SALAPADA, use IMPS. With IFSC JSFB0004868 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 JSFB0004868 for Jana Small Finance Bank Limited – SALAPADA, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – JSFB0004868 | Yes – JSFB0004868 | Yes – JSFB0004868 |
For most retail customers crediting the Salapada 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 JSFB0004868
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 – SALAPADA is still mapped to IFSC JSFB0004868. 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 JSFB0004868 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Salapada branch is mapped to IFSC JSFB0004868 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 JSFB0004868.
Products and services
Customers walking into the Salapada 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 JSFB0004868
MICR & cheque-truncation details
Cheques drawn on the Salapada branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JSFB0004868 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC JSFB0004868
Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SALAPADA 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 JSFB0004868 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.
Common mistakes to avoid when using IFSC JSFB0004868
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Jana Small Finance Bank Limited – SALAPADA, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
JSFB0004868. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Salapada branch sits at AT/PO-SALAPADA,VIA-BADACHANA,DIST-JAJAPUR,PIN-754082. If you are travelling from outside Salapada, 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 JSFB0004868 and your account number.
Verifying IFSC JSFB0004868 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 JSFB0004868 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- 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 Salapada branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JSFB0004868, however, work 24x7.
Branch address & contact
Jana Small Finance Bank LimitedSalapada Branch
AT/PO-SALAPADA,VIA-BADACHANA,DIST-JAJAPUR,PIN-754082
Salapada, Odisha
Phone: the branch contact number
IFSC: JSFB0004868
Frequently asked questions
How do I add Jana Small Finance Bank Limited Salapada as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC JSFB0004868, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using JSFB0004868 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Jana Small Finance Bank Limited – Salapada reflect within 30 minutes.
Can I use IFSC JSFB0004868 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC JSFB0004868 to send funds instantly.
What is the IFSC code of Jana Small Finance Bank Limited Salapada branch?
The IFSC code of Jana Small Finance Bank Limited, Salapada branch is JSFB0004868. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Jana Small Finance Bank Limited Salapada branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Is IFSC JSFB0004868 valid for NEFT and RTGS?
Yes. IFSC JSFB0004868 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Salapada branch but serve different purposes.
What is the phone number of Jana Small Finance Bank Limited Salapada branch?
You can reach the branch at the branch contact number during regular banking hours.
Final notes
To recap: JSFB0004868 is the IFSC code of Jana Small Finance Bank Limited, SALAPADA branch, in SALAPADA, 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.
