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Routing Number / BEFTN Code Details of JANATA BANK LTD. , KUMIRA Branch
The Routing Number of Janata Bank Ltd. , Kumira Branch is 135154450
| ROUTING NUMBER | 135154450 (Used for electronic fund transfers such as BEFTN, BD-RTGS etc. across Bangladesh for domestic fund transfer purposes.) |
| BANK NAME | JANATA BANK LTD. |
| BANK CODE | 135 (The first three digits of the routing number is bank code.) |
| BRANCH NAME | KUMIRA |
| BRANCH CODE | 445 (After first five digits next three digits of the routing number is district code.) |
| DISTRICT NAME | CHITTAGONG |
| DISTRICT CODE | 215 (After first three digits next two digits of the routing number is district code.) |
| SWIFT CODE | Find the Kumira Branch of Janata Bank Ltd. SWIFT / BIC Code Here |
| WEBSITE | https://www.jb.com.bd |
| SEND MONEY | Send / transfer money through TransferWise with very low transfer cost. Send Money |
| RECEIVE MONEY | Safest delivery with no hidden fees through TransferWise . Receive Money |
Find Janata Bank Ltd. , Kumira Branch Location on Google Map :-
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SWIFT Code FinderAbout Janata Bank Ltd. , Kumira Branch
General Information -
The Janata Bank Ltd. , Kumira Branch is Located in Chittagong District in Bangladesh.
The Bank Code is 135 , District Code is 215 & Branch code is 445.
Janata Bank Ltd. , Kumira Branch Routing Number is : 135154450
Bank Operational Time -
Bank Working Hours: Sunday - Thrusday (Expect Public Holidays) , 10 A.M - 4 P.M (Generic Timings*)
(* Do note that these bank timings vary from branch to branch.)
Lunch Timeing - Usally 1.30P.M - 3P.M (May vary from branch to branch).
However bank employees took their lunch in batches so that the business is not affected & you can visit the bank at any time during lunch time.
Transational Timing -
Cut off time for BEFTN is 04:00pm. So, the BEFTN transaction must be authorized by the final authorizer before 04:00 pm the transaction to be executed in the next day. For online banking, the transational time is same.
Breakdown of Janata Bank Ltd. , Kumira Branch Routing Number
1 | 3 | 5 | 1 | 5 | 4 | 4 | 5 | 0 |
Bank Code | District Code | Branch Code | Cheque Digit | |||||
The first three digits is (135) representing the bank code of Janata Bank Ltd. .
Next two digits is (15) representing the district code of the Janata Bank Ltd. & this code indicates Chittagong District.
Next three digits is (445) - It's represent or used to identify the specific individual bank's branch & here it's identifying Janata Bank Ltd. , Kumira branch.
Last one digit is (0) - It's cheque digit & this number is also printed on the bottom-left of your bank cheque leafs.
FAQ
The Routing number of Janata Bank Ltd. , Kumira Branch is: 135154450
The Kumira Branch of Janata Bank Ltd. Located in Chittagong District, in Bangladesh.
The Bank Code of Janata Bank Ltd. , Kumira Branch is 135
The District Code of Kumira Branch of Janata Bank Ltd. is 215
The Branch Code of Kumira Branch of Janata Bank Ltd. is 445
The Official Website of Janata Bank Ltd. is https://www.jb.com.bd
General Information About Bangladesh Bank Routing Number (BEFTN Code)
What is Bangladesh Bank Routing Number?
BEFTN stand for Bangladesh Electronic Fund Transfer Network. The bank routing number of any bank in bangladesh is a nine digit identification number assigned to financial institutions or bank and this number identifies the specific financial institution or bank branch upon which a payment is drawn.
Features of the Bangladesh Bank Routing Number or BEFTN Code
- End-to-end electronic form.
- EFT transaction could be debit or credit.
- It will operate in real-time batch processing mode.
How Does Bangladesh Bank Routing Number or BEFTN Code Work
BEFTN operates both as a processing center and delivery center for the distribution and settlement of electronic credit and debit instruments among all the participating banks. This network will be run in a real‐time batch processing mode. Transaction files which are being received from the banks will be processed to ensure if there are conditions that would result in a file or batch rejection. The banking company will have enough time to fix the errors and problems and resubmit the file.
Again, all the commercial banks of Bangladesh are the members of the BEFTN hub in order to send and receive payments. Payments can be made to individuals or institutions. payment instruction should be provided by the Bangladesh Bank. All the banks under this network are provided with unique routing codes. So when payment instructions are being initiated, it is mandatory to use the routing code for the beneficiary branch. All payment transactions will be calculated into a single multilateral netting figure for each individual bank.
Structure of the Bangladesh Bank Routing Number or BEFTN Code
This is a special unique code or identifies number is generated with the combination of the first three digits bank code, next two digits means fourth & fifth digit is district code, then next three digits means sixth, seventh & eighth digit is branch code and at last one means nineth digit is cheque digit. This special unique bank routing number is also printed on the bottom-left of your bank cheque leafs.Example : Breakdown of Bangladesh Bank Routing Number (BEFTN Code)
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 |
| Bank Code | District Code | Branch Code | Cheque Digit | |||||
What Bangladesh Bank Routing Number or BEFTN Code Used for?
The BEFTN or Bangladesh Routing Number used for various purpose such as online banking fund tranfer, payment to a local bank account etc.
Advantage & Disadvantage of Bangladesh Bank Routing Number or BEFTN Code
| Advantage | Disadvantage |
| It will create smooth payment system among all the branches across the country. | BEFTN is the most critical component in the development of a modern payments system infrastructure. |
| It will ensure highly secured payment service since there will be no chance of alteration unlike in the case of the existing paper-based system. | When an amount is transferred through BEFTN, the bank cannot able to reverse the transaction. |
| It will be efficient since it is paperless & automated. It will optimize bank’s cash flow management process and working capital cycle. | |
| Payment initiation will make an end-to-end automated process with auto reconciliation capabilities. | |
| EFT reduces turnaround time significantly in the majority of cases to one day from a number of days from traditional payment mechanisms. |