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

Use this page as a one-stop reference for everything related to IDBI Bank's JHARKHAND STATE COOPERATIVE BANK LIMITED SARWAN branch in DEOGHAR, JHARKHAND. The branch's IFSC code IBKL063JS10 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 SARWAN branch, the IFSC IBKL063JS10 breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 63JS10 identifies this particular branch.

Branch details at a glance

About the bank

IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Jharkhand State Cooperative Bank Limited Sarwan branch in Deoghar, Jharkhand is part of this network and uses the IFSC code IBKL063JS10 for all electronic settlement.

About this branch

The branch is located at DEOGHAR JAMTARA CENTRAL CO OPERATIVE BANK LTD,NEAR BUS STAND SARWAN DEOGHAR 814150. 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 IBKL063JS10 is used to identify this branch on the RBI payments network.

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 SARWAN of IDBI Bank — its own 11-character IFSC. The code IBKL063JS10 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 IBKL063JS10 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC IBKL063JS10

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 IBKL063JS10 across all three.

How to use IFSC IBKL063JS10 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 SARWAN 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 IBKL063JS10.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as JHARKHAND STATE COOPERATIVE BANK LIMITED SARWAN.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IBKL063JS10

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to IDBI Bank – JHARKHAND STATE COOPERATIVE BANK LIMITED SARWAN, ensure your bank's portal accepts IFSC IBKL063JS10 while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank JHARKHAND STATE COOPERATIVE BANK LIMITED SARWAN (IFSC IBKL063JS10)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL063JS10 in your mobile or internet banking app, and the money is credited to the JHARKHAND STATE COOPERATIVE BANK LIMITED SARWAN branch account within seconds.

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

All three modes accept the IFSC IBKL063JS10 for IDBI Bank – JHARKHAND STATE COOPERATIVE BANK LIMITED SARWAN, 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 Sarwan 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 IBKL063JS10

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 SARWAN is still mapped to IFSC IBKL063JS10. 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 IBKL063JS10 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Jharkhand State Cooperative Bank Limited Sarwan branch is mapped to IFSC IBKL063JS10 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 IBKL063JS10.

Products and services

Customers walking into the Jharkhand State Cooperative Bank Limited Sarwan 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 IBKL063JS10

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by IDBI Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IBKL063JS10 and the account number together uniquely identify the Jharkhand State Cooperative Bank Limited Sarwan branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IBKL063JS10

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 SARWAN 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 IBKL063JS10 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.

Common mistakes to avoid when using IFSC IBKL063JS10

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to IDBI Bank – JHARKHAND STATE COOPERATIVE BANK LIMITED SARWAN, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: IBKL063JS10.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Jharkhand State Cooperative Bank Limited Sarwan branch

The branch is located at DEOGHAR JAMTARA CENTRAL CO OPERATIVE BANK LTD,NEAR BUS STAND SARWAN DEOGHAR 814150, 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 Sarwan branch” — the verified location pin for IFSC IBKL063JS10 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9431204702 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 IBKL063JS10 and your account number.

Verifying IFSC IBKL063JS10 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 IBKL063JS10 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9431204702.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Jharkhand State Cooperative Bank Limited Sarwan 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 IBKL063JS10 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL063JS10 belongs to IDBI Bank's JHARKHAND STATE COOPERATIVE BANK LIMITED SARWAN branch, located at DEOGHAR JAMTARA CENTRAL CO OPERATIVE BANK LTD,NEAR BUS STAND SARWAN DEOGHAR… in DEOGHAR, 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.