IFSC Code of IDBI Bank, Jharkhand State Co Op Bank Mirzaganj Miz Branch, Jharkhand

Below are the complete branch details for IDBI Bank, JHARKHAND STATE CO OP BANK MIRZAGANJ MIZ branch, located in GIRIDIH, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is IBKL063JS22. 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 IBKL063JS22 for IDBI Bank – JHARKHAND STATE CO OP BANK MIRZAGANJ MIZ — 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, IBKL063JS22 is the IFSC of IDBI Bank's JHARKHAND STATE CO OP BANK MIRZAGANJ MIZ branch. The format is fixed: IBKL = bank code, 0 = reserved, 63JS22 = branch identifier.

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 Co Op Bank Mirzaganj Miz branch in Giridih, Jharkhand is part of this network and uses the IFSC code IBKL063JS22 for all electronic settlement.

About the Jharkhand State Co Op Bank Mirzaganj Miz branch

The Jharkhand State Co Op Bank Mirzaganj Miz branch of IDBI Bank is situated at JAMUA DHANWAR MAIN ROAD,815318. 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 IBKL063JS22 is used.

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 CO OP BANK MIRZAGANJ MIZ branch came to be assigned the code IBKL063JS22.

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 IBKL063JS22, money simply cannot be routed to the JHARKHAND STATE CO OP BANK MIRZAGANJ MIZ branch electronically.

How to transfer money using IFSC IBKL063JS22

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 IBKL063JS22 across all three.

NEFT to IDBI Bank, JHARKHAND STATE CO OP BANK MIRZAGANJ MIZ using IFSC IBKL063JS22

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 IBKL063JS22, and confirm that the system picks up IDBI Bank – JHARKHAND STATE CO OP BANK MIRZAGANJ MIZ. 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 MIRZAGANJ MIZ

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's JHARKHAND STATE CO OP BANK MIRZAGANJ MIZ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL063JS22 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – JHARKHAND STATE CO OP BANK MIRZAGANJ MIZ, use IMPS. With IFSC IBKL063JS22 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 Mirzaganj Miz

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 IBKL063JS22:

• 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 MIRZAGANJ MIZ is still linked to IFSC IBKL063JS22.

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 MIRZAGANJ MIZ branch, the IFSC IBKL063JS22 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 Mirzaganj Miz branch is mapped to IFSC IBKL063JS22 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 IBKL063JS22.

Products and services

Customers walking into the Jharkhand State Co Op Bank Mirzaganj Miz 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 IBKL063JS22

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 IBKL063JS22 and the account number together uniquely identify the Jharkhand State Co Op Bank Mirzaganj Miz branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IBKL063JS22

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 MIRZAGANJ MIZ 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 IBKL063JS22 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 IBKL063JS22

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 MIRZAGANJ MIZ, 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: IBKL063JS22.
• 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 Co Op Bank Mirzaganj Miz branch

The branch is located at JAMUA DHANWAR MAIN ROAD,815318, which puts it inside Giridih, the broader Giridih district, and the state of Jharkhand. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank Jharkhand State Co Op Bank Mirzaganj Miz branch” — the verified location pin for IFSC IBKL063JS22 should appear at the top of the results.
2. Confirm the branch is open by calling 91-8873781355 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 IBKL063JS22 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL063JS22 for IDBI Bank – JHARKHAND STATE CO OP BANK MIRZAGANJ MIZ, 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 Co Op Bank Mirzaganj Miz 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 IBKL063JS22 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL063JS22 is the IFSC code of IDBI Bank, JHARKHAND STATE CO OP BANK MIRZAGANJ MIZ branch, in GIRIDIH, 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.