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

If you are searching for the IFSC code of IDBI Bank, JHARKHAND STATE COOPERATIVE BANK LIMITED PALOJORI branch in DEOGHAR, JHARKHAND, this page has every detail you need. The verified IFSC code for this branch is IBKL063JS13. 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 JHARKHAND STATE COOPERATIVE BANK LIMITED PALOJORI branch, and detailed step-by-step guides for using the IFSC IBKL063JS13 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, IBKL063JS13 is the IFSC of IDBI Bank's JHARKHAND STATE COOPERATIVE BANK LIMITED PALOJORI branch. The format is fixed: IBKL = bank code, 0 = reserved, 63JS13 = branch identifier.

Branch details at a glance

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 Palojori branch — IFSC IBKL063JS13 — extends the bank's services to customers in and around Deoghar, Jharkhand.

About this branch

The branch is located at DEOGHAR JAMTARA CENTRAL CO OPERATIVE BANK LTD,NEAR PALOJORI POLICE STATION 814146. It serves the Deoghar 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 IBKL063JS13 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 PALOJORI branch came to be assigned the code IBKL063JS13.

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 IBKL063JS13, money simply cannot be routed to the JHARKHAND STATE COOPERATIVE BANK LIMITED PALOJORI branch electronically.

How to transfer money using IFSC IBKL063JS13

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 IBKL063JS13 across all three.

How to use IFSC IBKL063JS13 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 PALOJORI 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 IBKL063JS13.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as JHARKHAND STATE COOPERATIVE BANK LIMITED PALOJORI.
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 PALOJORI

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's JHARKHAND STATE COOPERATIVE BANK LIMITED PALOJORI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL063JS13 while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank JHARKHAND STATE COOPERATIVE BANK LIMITED PALOJORI (IFSC IBKL063JS13)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL063JS13 in your mobile or internet banking app, and the money is credited to the JHARKHAND STATE COOPERATIVE BANK LIMITED PALOJORI branch account within seconds.

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

All three modes accept the IFSC IBKL063JS13 for IDBI Bank – JHARKHAND STATE COOPERATIVE BANK LIMITED PALOJORI, 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 Palojori 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.

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 PALOJORI branch, the IFSC IBKL063JS13 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.

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

Once you have an account at IDBI Bank – JHARKHAND STATE COOPERATIVE BANK LIMITED PALOJORI, the IFSC IBKL063JS13 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.

Products and services

Customers walking into the Jharkhand State Cooperative Bank Limited Palojori 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 IBKL063JS13

MICR & cheque-truncation details

Cheques drawn on the Jharkhand State Cooperative Bank Limited Palojori branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL063JS13 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC IBKL063JS13

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the JHARKHAND STATE COOPERATIVE BANK LIMITED PALOJORI branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC IBKL063JS13 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

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 PALOJORI:

• The IFSC is exactly IBKL063JS13 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 PALOJORI 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 Palojori branch

The branch is located at DEOGHAR JAMTARA CENTRAL CO OPERATIVE BANK LTD,NEAR PALOJORI POLICE STATION 814146, which puts it inside Deoghar, the broader Deoghar 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 Palojori branch” — the verified location pin for IFSC IBKL063JS13 should appear at the top of the results.
2. Confirm the branch is open by calling 91-7250348762 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 IBKL063JS13 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL063JS13 for IDBI Bank – JHARKHAND STATE COOPERATIVE BANK LIMITED PALOJORI, 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Jharkhand State Cooperative Bank Limited Palojori branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL063JS13, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL063JS13 is the IFSC code of IDBI Bank, JHARKHAND STATE COOPERATIVE BANK LIMITED PALOJORI 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.