IFSC Code of IDBI Bank, Jharkhand State Co Op Bank Jhb Baharagora Bhg Branch, Jharkhand

Use this page as a one-stop reference for everything related to IDBI Bank's JHARKHAND STATE CO OP BANK JHB BAHARAGORA BHG branch in GHATSILA, JHARKHAND. The branch's IFSC code IBKL063J100 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.

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 CO OP BANK JHB BAHARAGORA BHG is IBKL063J100. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 63J100 map to this branch in GHATSILA, JHARKHAND.

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 Co Op Bank Jhb Baharagora Bhg branch — IFSC IBKL063J100 — extends the bank's services to customers in and around Ghatsila, Jharkhand.

About the Jharkhand State Co Op Bank Jhb Baharagora Bhg branch

The Jharkhand State Co Op Bank Jhb Baharagora Bhg branch of IDBI Bank is situated at INFRONT OF BAHRAGORA THANA,BLOCK BAHRARORA,EAST SINGHBHUM 833101. 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 IBKL063J100 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 CO OP BANK JHB BAHARAGORA BHG of IDBI Bank — its own 11-character IFSC. The code IBKL063J100 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 IBKL063J100 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 IBKL063J100

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 IBKL063J100 across all three.

NEFT to IDBI Bank, JHARKHAND STATE CO OP BANK JHB BAHARAGORA BHG using IFSC IBKL063J100

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 IBKL063J100, and confirm that the system picks up IDBI Bank – JHARKHAND STATE CO OP BANK JHB BAHARAGORA BHG. 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 CO OP BANK JHB BAHARAGORA BHG

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's JHARKHAND STATE CO OP BANK JHB BAHARAGORA BHG branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL063J100 while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank JHARKHAND STATE CO OP BANK JHB BAHARAGORA BHG (IFSC IBKL063J100)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL063J100 in your mobile or internet banking app, and the money is credited to the JHARKHAND STATE CO OP BANK JHB BAHARAGORA BHG branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Jharkhand State Co Op Bank Jhb Baharagora Bhg

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 IBKL063J100:

• 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 CO OP BANK JHB BAHARAGORA BHG is still linked to IFSC IBKL063J100.

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 CO OP BANK JHB BAHARAGORA BHG branch, the IFSC IBKL063J100 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.

Products and account variants supported

Every account opened at the Jharkhand State Co Op Bank Jhb Baharagora Bhg branch is mapped to IFSC IBKL063J100 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 IBKL063J100.

Products and services

Customers walking into the Jharkhand State Co Op Bank Jhb Baharagora Bhg 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 IBKL063J100

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 IBKL063J100 and the account number together uniquely identify the Jharkhand State Co Op Bank Jhb Baharagora Bhg branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IBKL063J100

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the JHARKHAND STATE CO OP BANK JHB BAHARAGORA BHG 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 IBKL063J100 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 IBKL063J100

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 CO OP BANK JHB BAHARAGORA BHG, 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: IBKL063J100.
• 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.

Reaching the branch

The Jharkhand State Co Op Bank Jhb Baharagora Bhg branch sits at INFRONT OF BAHRAGORA THANA,BLOCK BAHRARORA,EAST SINGHBHUM 833101. If you are travelling from outside Ghatsila, search for the branch on a maps application using the bank name and locality, or call 6594-224650 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 IBKL063J100 and your account number.

Verifying IFSC IBKL063J100 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 IBKL063J100 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 6594-224650.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Jharkhand State Co Op Bank Jhb Baharagora Bhg 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 IBKL063J100 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL063J100 belongs to IDBI Bank's JHARKHAND STATE CO OP BANK JHB BAHARAGORA BHG branch, located at INFRONT OF BAHRAGORA THANA,BLOCK BAHRARORA,EAST SINGHBHUM 833101 in GHATSILA, 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.