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

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, JHARKHAND STATE COOPERATIVE BANK LIMITED CHITRA branch in DEOGHAR. The 11-digit IFSC IBKL063JS14 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 IDBI Bank at the JHARKHAND STATE COOPERATIVE BANK LIMITED CHITRA 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 IDBI Bank – JHARKHAND STATE COOPERATIVE BANK LIMITED CHITRA is IBKL063JS14. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 63JS14 map to this branch in DEOGHAR, JHARKHAND.

About IDBI Bank

IDBI Bank operates a wide network of branches across India, including the Jharkhand State Cooperative Bank Limited Chitra branch in Deoghar. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IBKL063JS14.

Branch details at a glance

About the Jharkhand State Cooperative Bank Limited Chitra branch

The Jharkhand State Cooperative Bank Limited Chitra branch of IDBI Bank is situated at DEOGHAR JAMTARA CENTRAL CO OPERATIVE BANK LTD,MAIN ROAD CHITRA 825401. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IBKL063JS14 is used.

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 JHARKHAND STATE COOPERATIVE BANK LIMITED CHITRA of IDBI Bank — its own 11-character IFSC. The code IBKL063JS14 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 IBKL063JS14 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Jharkhand State Cooperative Bank Limited Chitra branch is mapped to IFSC IBKL063JS14 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 IBKL063JS14.

Products and services

Customers walking into the Jharkhand State Cooperative Bank Limited Chitra 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 IBKL063JS14

How to transfer money using IFSC IBKL063JS14

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 IBKL063JS14 across all three.

How to use IFSC IBKL063JS14 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's JHARKHAND STATE COOPERATIVE BANK LIMITED CHITRA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IBKL063JS14.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as JHARKHAND STATE COOPERATIVE BANK LIMITED CHITRA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

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

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's JHARKHAND STATE COOPERATIVE BANK LIMITED CHITRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL063JS14 while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank JHARKHAND STATE COOPERATIVE BANK LIMITED CHITRA (IFSC IBKL063JS14)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL063JS14 in your mobile or internet banking app, and the money is credited to the JHARKHAND STATE COOPERATIVE BANK LIMITED CHITRA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Jharkhand State Cooperative Bank Limited Chitra

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 IBKL063JS14:

• 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 JHARKHAND STATE COOPERATIVE BANK LIMITED CHITRA is still linked to IFSC IBKL063JS14.

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 IDBI Bank's JHARKHAND STATE COOPERATIVE BANK LIMITED CHITRA branch, the IFSC IBKL063JS14 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.

Digital banking channels

Most day-to-day work that customers used to do at the Jharkhand State Cooperative Bank Limited Chitra 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 IBKL063JS14 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 Chitra branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL063JS14 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 CHITRA:

• The IFSC is exactly IBKL063JS14 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 CHITRA 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.

Reaching the branch

The Jharkhand State Cooperative Bank Limited Chitra branch sits at DEOGHAR JAMTARA CENTRAL CO OPERATIVE BANK LTD,MAIN ROAD CHITRA 825401. If you are travelling from outside Deoghar, search for the branch on a maps application using the bank name and locality, or call 91-9430719494 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 IBKL063JS14 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL063JS14 for IDBI Bank – JHARKHAND STATE COOPERATIVE BANK LIMITED CHITRA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Jharkhand State Cooperative Bank Limited Chitra 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 IBKL063JS14 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL063JS14 is the IFSC code of IDBI Bank, JHARKHAND STATE COOPERATIVE BANK LIMITED CHITRA branch, in DEOGHAR, JHARKHAND. 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.