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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Jana Small Finance Bank Limited, VALATHAMANGALAM, THIRUVAIYATHUKKUDI branch in VALATHAMANGALAM, THIRUVAIYATHUKKUDI. The 11-digit IFSC JSFB0004979 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 VALATHAMANGALAM, THIRUVAIYATHUKKUDI 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.

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 – VALATHAMANGALAM, THIRUVAIYATHUKKUDI is JSFB0004979. The first four letters JSFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004979 map to this branch in VALATHAMANGALAM, THIRUVAIYATHUKKUDI, TAMIL NADU.

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 Valathamangalam, Thiruvaiyathukkudi branch in Valathamangalam, Thiruvaiyathukkudi, Tamil Nadu is part of this network and uses the IFSC code JSFB0004979 for all electronic settlement.

About this branch

The branch is located at JANA SMALL FINANCE BANK LTD,NO 544,545,546,SRI SAI NAGAR,SAI COMPLEX,VALATHAMANGALAM,THIRUVAIYATHUKKUDI,AYYAMPETTAI,PAPANASAM TALUK,THANJAVUR-614302. It serves the Valathamangalam, Thiruvaiyathukkudi 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 JSFB0004979 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 VALATHAMANGALAM, THIRUVAIYATHUKKUDI branch came to be assigned the code JSFB0004979.

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 JSFB0004979, money simply cannot be routed to the VALATHAMANGALAM, THIRUVAIYATHUKKUDI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Valathamangalam, Thiruvaiyathukkudi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JSFB0004979 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC JSFB0004979

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 JSFB0004979 across all three.

NEFT to Jana Small Finance Bank Limited, VALATHAMANGALAM, THIRUVAIYATHUKKUDI using IFSC JSFB0004979

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 JSFB0004979, and confirm that the system picks up Jana Small Finance Bank Limited – VALATHAMANGALAM, THIRUVAIYATHUKKUDI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VALATHAMANGALAM, THIRUVAIYATHUKKUDI

If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's VALATHAMANGALAM, THIRUVAIYATHUKKUDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0004979 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 – VALATHAMANGALAM, THIRUVAIYATHUKKUDI, use IMPS. With IFSC JSFB0004979 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 Valathamangalam, Thiruvaiyathukkudi

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 JSFB0004979:

• 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 VALATHAMANGALAM, THIRUVAIYATHUKKUDI is still linked to IFSC JSFB0004979.

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 VALATHAMANGALAM, THIRUVAIYATHUKKUDI branch, the IFSC JSFB0004979 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 Valathamangalam, Thiruvaiyathukkudi branch is mapped to IFSC JSFB0004979 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 JSFB0004979.

Products and services

Customers walking into the Valathamangalam, Thiruvaiyathukkudi 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 JSFB0004979

Digital banking channels

Most day-to-day work that customers used to do at the Valathamangalam, Thiruvaiyathukkudi branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC JSFB0004979 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Reaching the branch

The Valathamangalam, Thiruvaiyathukkudi branch sits at JANA SMALL FINANCE BANK LTD,NO 544,545,546,SRI SAI NAGAR,SAI COMPLEX,VALATHAMANGALAM,THIRUVAIYATHUKKUDI,AYYAMPETTAI,PAPANASAM TALUK,THANJAVUR-614302. If you are travelling from outside Valathamangalam, Thiruvaiyathukkudi, search for the branch on a maps application using the bank name and locality, or call 44-9003830777 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 JSFB0004979 and your account number.

Common mistakes to avoid when using IFSC JSFB0004979

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 – VALATHAMANGALAM, THIRUVAIYATHUKKUDI, 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: JSFB0004979.
• 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.

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 Valathamangalam, Thiruvaiyathukkudi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JSFB0004979, however, work 24x7.

Verifying IFSC JSFB0004979 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 JSFB0004979 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 44-9003830777.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: JSFB0004979 is the IFSC code of Jana Small Finance Bank Limited, VALATHAMANGALAM, THIRUVAIYATHUKKUDI branch, in VALATHAMANGALAM, THIRUVAIYATHUKKUDI, 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.