IFSC Code of Jana Small Finance Bank Limited, Usilampatti Branch, Tamil Nadu

Below are the complete branch details for Jana Small Finance Bank Limited, USILAMPATTI branch, located in USILAMPATTI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is JSFB0004977. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case JSFB0004977 for Jana Small Finance Bank Limited – USILAMPATTI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 USILAMPATTI branch, the IFSC JSFB0004977 breaks down as follows: JSFB identifies the bank, 0 is the reserved character, and 004977 identifies this particular branch.

About Jana Small Finance Bank Limited

Jana Small Finance Bank Limited operates a wide network of branches across India, including the Usilampatti branch in Usilampatti. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, JSFB0004977.

Branch details at a glance

About this branch

The branch is located at JANA SMALL FINANCE BANK LTD,C/O.MR.MATHIZHAGAN,DOOR NO 8/311,PRC DIPPO OPPOSITE,USILAMPATTI,USILAMPATTI ( TK),MADURAI(DT ) -625532. It serves the Usilampatti 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 JSFB0004977 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 USILAMPATTI branch came to be assigned the code JSFB0004977.

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 JSFB0004977, money simply cannot be routed to the USILAMPATTI branch electronically.

Products and account variants supported

Every account opened at the Usilampatti branch is mapped to IFSC JSFB0004977 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 JSFB0004977.

Products and services

Customers walking into the Usilampatti 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 JSFB0004977

How to transfer money using IFSC JSFB0004977

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 JSFB0004977 across all three.

NEFT to Jana Small Finance Bank Limited, USILAMPATTI using IFSC JSFB0004977

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 JSFB0004977, and confirm that the system picks up Jana Small Finance Bank Limited – USILAMPATTI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC JSFB0004977

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 – USILAMPATTI, ensure your bank's portal accepts IFSC JSFB0004977 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jana Small Finance Bank Limited USILAMPATTI (IFSC JSFB0004977)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JSFB0004977 in your mobile or internet banking app, and the money is credited to the USILAMPATTI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC JSFB0004977 for Jana Small Finance Bank Limited – USILAMPATTI, 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.

For most retail customers crediting the Usilampatti 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.

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 USILAMPATTI branch, the IFSC JSFB0004977 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.

Online banking and IFSC JSFB0004977

Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the USILAMPATTI 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 JSFB0004977 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 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 JSFB0004977 and the account number together uniquely identify the Usilampatti branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC JSFB0004977

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 – USILAMPATTI, 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: JSFB0004977.
• 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.

How to reach the Usilampatti branch

The branch is located at JANA SMALL FINANCE BANK LTD,C/O.MR.MATHIZHAGAN,DOOR NO 8/311,PRC DIPPO OPPOSITE,USILAMPATTI,USILAMPATTI ( TK),MADURAI(DT ) -625532, which puts it inside Usilampatti, the broader Madurai district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Jana Small Finance Bank Limited Usilampatti branch” — the verified location pin for IFSC JSFB0004977 should appear at the top of the results.
2. Confirm the branch is open by calling 44-9047089070 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC JSFB0004977 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JSFB0004977 for Jana Small Finance Bank Limited – USILAMPATTI, 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.

Working hours

Branch counters at Usilampatti 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 JSFB0004977 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: JSFB0004977 is the IFSC code of Jana Small Finance Bank Limited, USILAMPATTI branch, in USILAMPATTI, TAMIL NADU. 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.