Use this page as a one-stop reference for everything related to Jana Small Finance Bank Limited's KUTUBPUR branch in SARAN, BIHAR. The branch's IFSC code JSFB0005013 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, JSFB0005013 is the IFSC of Jana Small Finance Bank Limited's KUTUBPUR branch. The format is fixed: JSFB = bank code, 0 = reserved, 005013 = branch identifier.
Branch details at a glance
| Bank Name | Jana Small Finance Bank Limited |
|---|---|
| Branch | Kutubpur |
| IFSC Code | JSFB0005013 |
| MICR Code | Refer to cheque leaf |
| Branch Address | S/O BRAJ BHUSAN SINGH,MIRPURJUARA,MIRPUR JUARA,SARAN-841216 |
| City | Saran |
| District | Saran |
| State | Bihar |
Bank profile
Jana Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kutubpur branch — IFSC JSFB0005013 — extends the bank's services to customers in and around Saran, Bihar.
About the Kutubpur branch
The Kutubpur branch of Jana Small Finance Bank Limited is situated at S/O BRAJ BHUSAN SINGH,MIRPURJUARA,MIRPUR JUARA,SARAN-841216. 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 JSFB0005013 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 KUTUBPUR branch came to be assigned the code JSFB0005013.
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 JSFB0005013, money simply cannot be routed to the KUTUBPUR branch electronically.
How to transfer money using IFSC JSFB0005013
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 JSFB0005013 across all three.
NEFT to Jana Small Finance Bank Limited, KUTUBPUR using IFSC JSFB0005013
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 JSFB0005013, and confirm that the system picks up Jana Small Finance Bank Limited – KUTUBPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC JSFB0005013
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 – KUTUBPUR, ensure your bank's portal accepts IFSC JSFB0005013 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 – KUTUBPUR, use IMPS. With IFSC JSFB0005013 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 JSFB0005013 for Jana Small Finance Bank Limited – KUTUBPUR, 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 – JSFB0005013 | Yes – JSFB0005013 | Yes – JSFB0005013 |
For most retail customers crediting the Kutubpur 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 JSFB0005013
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 – KUTUBPUR is still mapped to IFSC JSFB0005013. 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 JSFB0005013 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kutubpur branch is mapped to IFSC JSFB0005013 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 JSFB0005013.
Products and services
Customers walking into the Kutubpur 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 JSFB0005013
MICR & cheque-truncation details
Cheques drawn on the Kutubpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JSFB0005013 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC JSFB0005013
Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KUTUBPUR 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 JSFB0005013 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 JSFB0005013
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 – KUTUBPUR, 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:
JSFB0005013. - 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 Kutubpur branch sits at S/O BRAJ BHUSAN SINGH,MIRPURJUARA,MIRPUR JUARA,SARAN-841216. If you are travelling from outside Saran, 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 JSFB0005013 and your account number.
Verifying IFSC JSFB0005013 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 JSFB0005013 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.
Working hours
Branch counters at Kutubpur 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 JSFB0005013 continue to work without interruption.
Branch address & contact
Jana Small Finance Bank LimitedKutubpur Branch
S/O BRAJ BHUSAN SINGH,MIRPURJUARA,MIRPUR JUARA,SARAN-841216
Saran, Bihar
Phone: the branch contact number
IFSC: JSFB0005013
Frequently asked questions
Is IFSC JSFB0005013 valid for NEFT and RTGS?
Yes. IFSC JSFB0005013 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 Kutubpur branch but serve different purposes.
Is IFSC JSFB0005013 the same for all accounts at Kutubpur branch?
Yes. The IFSC JSFB0005013 is shared by every account held at Jana Small Finance Bank Limited's Kutubpur branch. Only the account number changes from customer to customer.
Does Jana Small Finance Bank Limited Kutubpur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
How do I add Jana Small Finance Bank Limited Kutubpur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC JSFB0005013, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Jana Small Finance Bank Limited Kutubpur branch located?
Jana Small Finance Bank Limited's Kutubpur branch is located at S/O BRAJ BHUSAN SINGH,MIRPURJUARA,MIRPUR JUARA,SARAN-841216, Saran, Bihar.
What is the phone number of Jana Small Finance Bank Limited Kutubpur branch?
You can reach the branch at the branch contact number during regular banking hours.
How quickly will an NEFT transfer using JSFB0005013 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Jana Small Finance Bank Limited – Kutubpur reflect within 30 minutes.
Summary
The IFSC code JSFB0005013 belongs to Jana Small Finance Bank Limited's KUTUBPUR branch, located at S/O BRAJ BHUSAN SINGH,MIRPURJUARA,MIRPUR JUARA,SARAN-841216 in SARAN, BIHAR. 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.
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