JSFB0003203 — Jana Small Finance Bank, Karnal
JSFB0003203 is the IFSC code of Jana Small Finance Bank, Karnal branch, Karnal, Haryana. MICR 132788102. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | JSFB0003203 |
|---|---|
| Bank | Jana Small Finance Bank |
| Branch | Karnal |
| Address | JANA SMALL FINANCE BANK LTD,SECTOR 12,SCO 216,NEAR IDBI BANK,KARNAL - 132001 |
| City | Karnal |
| District | Karnal |
| State | Haryana |
| MICR code | 132788102 |
| SWIFT code | — |
| Phone | +917027101343 |
| NEFT | Yes |
| RTGS | Yes |
| IMPS | Yes |
| UPI | Yes |
Source: Reserve Bank of India IFSC/MICR list, as compiled by the open-source Razorpay IFSC dataset (MIT licence), updated 08 Nov 2026. Always confirm the IFSC with your bank before sending money.
How to read IFSC JSFB0003203
| Part | Meaning |
|---|---|
| JSFB | Bank code – Jana Small Finance Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 003203 | Branch code – Karnal, Karnal |
The MICR code 132788102 is printed at the bottom of cheques from this branch: 132 is the city code, 788 the bank code and 102 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Jana Small Finance Bank, Karnal
Payments this branch can receive using IFSC JSFB0003203:
- NEFT – available 24×7, all days; RBI sets no minimum or maximum amount (your bank may set its own limit).
- RTGS – for ₹2 lakh and above, settled in real time, 24×7.
- IMPS – instant transfer 24×7, usually up to ₹5 lakh per transaction.
- UPI – accounts at this branch can be linked to UPI apps.
To pay someone here you need their account number, the account holder’s name and the IFSC JSFB0003203.
Questions about IFSC JSFB0003203
What is the IFSC code of Jana Small Finance Bank, Karnal branch?
The IFSC code of Jana Small Finance Bank, Karnal branch (Karnal, Haryana) is JSFB0003203.
What is the MICR code of Jana Small Finance Bank, Karnal?
The MICR code of this branch is 132788102.
Where is Jana Small Finance Bank, Karnal branch located?
The branch address is JANA SMALL FINANCE BANK LTD,SECTOR 12,SCO 216,NEAR IDBI BANK,KARNAL - 132001 (Haryana).
Does JSFB0003203 support RTGS and NEFT?
NEFT: yes. RTGS: yes. IMPS: yes (as per the RBI list in our records).
Income tax refund not received?
A refund fails when the bank account on the income tax portal is not pre-validated or the IFSC has changed after a bank merger. We fix the account, raise a refund re-issue request and follow up — online, anywhere in India.