IFSC Code of IDBI Bank, Jijamata Mahila Sahakari Bank Ltd Belgaum Branch, Karnataka

If you are searching for the IFSC code of IDBI Bank, JIJAMATA MAHILA SAHAKARI BANK LTD BELGAUM branch in BELGAUM, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is IBKL0101JMS. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the JIJAMATA MAHILA SAHAKARI BANK LTD BELGAUM branch, and detailed step-by-step guides for using the IFSC IBKL0101JMS across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 IDBI Bank's JIJAMATA MAHILA SAHAKARI BANK LTD BELGAUM branch, the IFSC IBKL0101JMS breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 101JMS identifies this particular branch.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jijamata Mahila Sahakari Bank Ltd Belgaum branch — IFSC IBKL0101JMS — extends the bank's services to customers in and around Belgaum, Karnataka.

About this branch

The branch is located at 1485 A PARVATI PLAZA,BASWAN GALLI,BELGAUM. It serves the Belgaum region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of IDBI Bank. The IFSC IBKL0101JMS is used to identify this branch on the RBI payments network.

Branch details at a glance

Why every IDBI Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including JIJAMATA MAHILA SAHAKARI BANK LTD BELGAUM of IDBI Bank — its own 11-character IFSC. The code IBKL0101JMS is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IBKL0101JMS the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Jijamata Mahila Sahakari Bank Ltd Belgaum branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0101JMS 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 IBKL0101JMS

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 IBKL0101JMS across all three.

NEFT to IDBI Bank, JIJAMATA MAHILA SAHAKARI BANK LTD BELGAUM using IFSC IBKL0101JMS

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 IBKL0101JMS, and confirm that the system picks up IDBI Bank – JIJAMATA MAHILA SAHAKARI BANK LTD BELGAUM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to JIJAMATA MAHILA SAHAKARI BANK LTD BELGAUM

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's JIJAMATA MAHILA SAHAKARI BANK LTD BELGAUM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0101JMS while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank JIJAMATA MAHILA SAHAKARI BANK LTD BELGAUM (IFSC IBKL0101JMS)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0101JMS in your mobile or internet banking app, and the money is credited to the JIJAMATA MAHILA SAHAKARI BANK LTD BELGAUM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Jijamata Mahila Sahakari Bank Ltd Belgaum

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 IBKL0101JMS:

• 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 JIJAMATA MAHILA SAHAKARI BANK LTD BELGAUM is still linked to IFSC IBKL0101JMS.

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.

UPI payments and IFSC IBKL0101JMS

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 IDBI Bank – JIJAMATA MAHILA SAHAKARI BANK LTD BELGAUM is still mapped to IFSC IBKL0101JMS. 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 IBKL0101JMS and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Jijamata Mahila Sahakari Bank Ltd Belgaum branch is mapped to IFSC IBKL0101JMS on the RBI payments network. The branch generally supports the full retail product catalogue of IDBI Bank, 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 IBKL0101JMS.

Products and services

Customers walking into the Jijamata Mahila Sahakari Bank Ltd Belgaum branch can access most of IDBI Bank'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 IBKL0101JMS

Digital banking channels

Most day-to-day work that customers used to do at the Jijamata Mahila Sahakari Bank Ltd Belgaum 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 IBKL0101JMS 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.

How to reach the Jijamata Mahila Sahakari Bank Ltd Belgaum branch

The branch is located at 1485 A PARVATI PLAZA,BASWAN GALLI,BELGAUM, which puts it inside Belgaum, the broader Belgaum district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank Jijamata Mahila Sahakari Bank Ltd Belgaum branch” — the verified location pin for IFSC IBKL0101JMS should appear at the top of the results.
2. Confirm the branch is open by calling 831-2460195 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 IBKL0101JMS and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to IDBI Bank – JIJAMATA MAHILA SAHAKARI BANK LTD BELGAUM:

• The IFSC is exactly IBKL0101JMS with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills IDBI Bank as the bank name and JIJAMATA MAHILA SAHAKARI BANK LTD BELGAUM as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Working hours

Branch counters at Jijamata Mahila Sahakari Bank Ltd Belgaum 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 IBKL0101JMS continue to work without interruption.

Verifying IFSC IBKL0101JMS 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 IBKL0101JMS by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 831-2460195.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0101JMS is the IFSC code of IDBI Bank, JIJAMATA MAHILA SAHAKARI BANK LTD BELGAUM branch, in BELGAUM, KARNATAKA. 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.