IFSC Code of IDBI Bank, Jharkhand State Co Op Bank Jhb Main Branch Mbr Branch, Jharkhand

Below are the complete branch details for IDBI Bank, JHARKHAND STATE CO OP BANK JHB MAIN BRANCH MBR branch, located in GHATSILA, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is IBKL063JS99. 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 IBKL063JS99 for IDBI Bank – JHARKHAND STATE CO OP BANK JHB MAIN BRANCH MBR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, IBKL063JS99 is the IFSC of IDBI Bank's JHARKHAND STATE CO OP BANK JHB MAIN BRANCH MBR branch. The format is fixed: IBKL = bank code, 0 = reserved, 63JS99 = branch identifier.

About IDBI Bank

IDBI Bank operates a wide network of branches across India, including the Jharkhand State Co Op Bank Jhb Main Branch Mbr branch in Ghatsila. 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, IBKL063JS99.

About this branch

The branch is located at MAIN ROAD,NEAR RAILWAY STATION GHATSILA,BLOCK GHATSILA 832303. It serves the Ghatsila 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 IBKL063JS99 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 MAIN BRANCH MBR of IDBI Bank — its own 11-character IFSC. The code IBKL063JS99 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 IBKL063JS99 the same way you would treat your account number — verify it once and save it carefully for future use.

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 IBKL063JS99 and the account number together uniquely identify the Jharkhand State Co Op Bank Jhb Main Branch Mbr branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC IBKL063JS99

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 IBKL063JS99 across all three.

NEFT to IDBI Bank, JHARKHAND STATE CO OP BANK JHB MAIN BRANCH MBR using IFSC IBKL063JS99

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 IBKL063JS99, and confirm that the system picks up IDBI Bank – JHARKHAND STATE CO OP BANK JHB MAIN BRANCH MBR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IBKL063JS99

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 CO OP BANK JHB MAIN BRANCH MBR, ensure your bank's portal accepts IFSC IBKL063JS99 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – JHARKHAND STATE CO OP BANK JHB MAIN BRANCH MBR, use IMPS. With IFSC IBKL063JS99 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Jharkhand State Co Op Bank Jhb Main Branch Mbr

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 IBKL063JS99:

• 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 MAIN BRANCH MBR is still linked to IFSC IBKL063JS99.

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.

UPI payments and IFSC IBKL063JS99

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 CO OP BANK JHB MAIN BRANCH MBR is still mapped to IFSC IBKL063JS99. 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 IBKL063JS99 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Jharkhand State Co Op Bank Jhb Main Branch Mbr branch is mapped to IFSC IBKL063JS99 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 IBKL063JS99.

Products and services

Customers walking into the Jharkhand State Co Op Bank Jhb Main Branch Mbr 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 IBKL063JS99

Digital banking channels

Most day-to-day work that customers used to do at the Jharkhand State Co Op Bank Jhb Main Branch Mbr 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 IBKL063JS99 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.

Reaching the branch

The Jharkhand State Co Op Bank Jhb Main Branch Mbr branch sits at MAIN ROAD,NEAR RAILWAY STATION GHATSILA,BLOCK GHATSILA 832303. If you are travelling from outside Ghatsila, search for the branch on a maps application using the bank name and locality, or call 6585-225578 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 IBKL063JS99 and your account number.

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 CO OP BANK JHB MAIN BRANCH MBR:

• The IFSC is exactly IBKL063JS99 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 CO OP BANK JHB MAIN BRANCH MBR 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.

Working hours

Branch counters at Jharkhand State Co Op Bank Jhb Main Branch Mbr 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 IBKL063JS99 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL063JS99 for IDBI Bank – JHARKHAND STATE CO OP BANK JHB MAIN BRANCH MBR, 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 address & contact

Frequently asked questions

Final notes

To recap: IBKL063JS99 is the IFSC code of IDBI Bank, JHARKHAND STATE CO OP BANK JHB MAIN BRANCH MBR branch, in GHATSILA, 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.