IFSC Code of IDBI Bank, Jharkhand State Cooperative Bank Limited Karmatand Branch, Jharkhand

Below are the complete branch details for IDBI Bank, JHARKHAND STATE COOPERATIVE BANK LIMITED KARMATAND branch, located in BOKARO, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is IBKL063JS17. 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 IBKL063JS17 for IDBI Bank – JHARKHAND STATE COOPERATIVE BANK LIMITED KARMATAND — 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 IDBI Bank's JHARKHAND STATE COOPERATIVE BANK LIMITED KARMATAND branch, the IFSC IBKL063JS17 breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 63JS17 identifies this particular branch.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jharkhand State Cooperative Bank Limited Karmatand branch — IFSC IBKL063JS17 — extends the bank's services to customers in and around Bokaro, Jharkhand.

Branch details at a glance

About this branch

The branch is located at DEOGHAR JAMTARA CENTRAL CO OPERATIVE BANK LTD,KHARO KARMATAND ROAD,KARMATAND,JAMTARA 815352. It serves the Bokaro 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 IBKL063JS17 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 IDBI Bank's JHARKHAND STATE COOPERATIVE BANK LIMITED KARMATAND branch came to be assigned the code IBKL063JS17.

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 IBKL063JS17, money simply cannot be routed to the JHARKHAND STATE COOPERATIVE BANK LIMITED KARMATAND branch electronically.

Account types you can open at the Jharkhand State Cooperative Bank Limited Karmatand branch

Once you have an account at IDBI Bank – JHARKHAND STATE COOPERATIVE BANK LIMITED KARMATAND, the IFSC IBKL063JS17 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Jharkhand State Cooperative Bank Limited Karmatand branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7250508317.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC IBKL063JS17

How to transfer money using IFSC IBKL063JS17

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 IBKL063JS17 across all three.

NEFT to IDBI Bank, JHARKHAND STATE COOPERATIVE BANK LIMITED KARMATAND using IFSC IBKL063JS17

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 IBKL063JS17, and confirm that the system picks up IDBI Bank – JHARKHAND STATE COOPERATIVE BANK LIMITED KARMATAND. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to JHARKHAND STATE COOPERATIVE BANK LIMITED KARMATAND

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's JHARKHAND STATE COOPERATIVE BANK LIMITED KARMATAND branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL063JS17 while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank JHARKHAND STATE COOPERATIVE BANK LIMITED KARMATAND (IFSC IBKL063JS17)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL063JS17 in your mobile or internet banking app, and the money is credited to the JHARKHAND STATE COOPERATIVE BANK LIMITED KARMATAND branch account within seconds.

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

All three modes accept the IFSC IBKL063JS17 for IDBI Bank – JHARKHAND STATE COOPERATIVE BANK LIMITED KARMATAND, 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 Jharkhand State Cooperative Bank Limited Karmatand 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.

UPI payments and IFSC IBKL063JS17

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 – JHARKHAND STATE COOPERATIVE BANK LIMITED KARMATAND is still mapped to IFSC IBKL063JS17. 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 IBKL063JS17 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Jharkhand State Cooperative Bank Limited Karmatand 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 IBKL063JS17 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.

MICR & cheque-truncation details

Cheques drawn on the Jharkhand State Cooperative Bank Limited Karmatand branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL063JS17 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – JHARKHAND STATE COOPERATIVE BANK LIMITED KARMATAND:

• The IFSC is exactly IBKL063JS17 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 JHARKHAND STATE COOPERATIVE BANK LIMITED KARMATAND 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.

How to reach the Jharkhand State Cooperative Bank Limited Karmatand branch

The branch is located at DEOGHAR JAMTARA CENTRAL CO OPERATIVE BANK LTD,KHARO KARMATAND ROAD,KARMATAND,JAMTARA 815352, which puts it inside Bokaro, the broader Bokaro district, and the state of Jharkhand. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank Jharkhand State Cooperative Bank Limited Karmatand branch” — the verified location pin for IFSC IBKL063JS17 should appear at the top of the results.
2. Confirm the branch is open by calling 91-7250508317 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 IBKL063JS17 and your account number.

Verifying IFSC IBKL063JS17 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 IBKL063JS17 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-7250508317.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Jharkhand State Cooperative Bank Limited Karmatand 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 IBKL063JS17 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL063JS17 belongs to IDBI Bank's JHARKHAND STATE COOPERATIVE BANK LIMITED KARMATAND branch, located at DEOGHAR JAMTARA CENTRAL CO OPERATIVE BANK LTD,KHARO KARMATAND… in BOKARO, JHARKHAND. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.