IFSC Code of IDBI Bank, Jharkhand State Co-Op Bank Rajdhanwar Rar Branch, Jharkhand

Below are the complete branch details for IDBI Bank, JHARKHAND STATE CO-OP BANK RAJDHANWAR RAR branch, located in GIRIDIH, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is IBKL063JS23. 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 IBKL063JS23 for IDBI Bank – JHARKHAND STATE CO-OP BANK RAJDHANWAR RAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 RAJDHANWAR RAR is IBKL063JS23. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 63JS23 map to this branch in GIRIDIH, JHARKHAND.

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 Rajdhanwar Rar branch in Giridih, Jharkhand is part of this network and uses the IFSC code IBKL063JS23 for all electronic settlement.

Branch details at a glance

Jharkhand State Co-Op Bank Rajdhanwar Rar branch overview

Located at GANDHI CHOWK RAJDHANWAR,825412, the Jharkhand State Co-Op Bank Rajdhanwar Rar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL063JS23 is required for all interbank electronic transfers routed through this branch.

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 RAJDHANWAR RAR of IDBI Bank — its own 11-character IFSC. The code IBKL063JS23 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 IBKL063JS23 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Jharkhand State Co-Op Bank Rajdhanwar Rar branch is mapped to IFSC IBKL063JS23 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 IBKL063JS23.

Banking services available

The Jharkhand State Co-Op Bank Rajdhanwar Rar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9931124352.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC IBKL063JS23

How to transfer money using IFSC IBKL063JS23

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 IBKL063JS23 across all three.

How to use IFSC IBKL063JS23 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's JHARKHAND STATE CO-OP BANK RAJDHANWAR RAR 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 IBKL063JS23.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as JHARKHAND STATE CO-OP BANK RAJDHANWAR RAR.
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 IBKL063JS23

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 RAJDHANWAR RAR, ensure your bank's portal accepts IFSC IBKL063JS23 while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank JHARKHAND STATE CO-OP BANK RAJDHANWAR RAR (IFSC IBKL063JS23)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL063JS23 in your mobile or internet banking app, and the money is credited to the JHARKHAND STATE CO-OP BANK RAJDHANWAR RAR branch account within seconds.

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

All three modes accept the IFSC IBKL063JS23 for IDBI Bank – JHARKHAND STATE CO-OP BANK RAJDHANWAR RAR, 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 Co-Op Bank Rajdhanwar Rar 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 IBKL063JS23

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 RAJDHANWAR RAR is still mapped to IFSC IBKL063JS23. 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 IBKL063JS23 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IBKL063JS23

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 RAJDHANWAR RAR 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 IBKL063JS23 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.

MICR & cheque-truncation details

Cheques drawn on the Jharkhand State Co-Op Bank Rajdhanwar Rar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL063JS23 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 RAJDHANWAR RAR:

• The IFSC is exactly IBKL063JS23 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 RAJDHANWAR RAR 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 Co-Op Bank Rajdhanwar Rar branch

The branch is located at GANDHI CHOWK RAJDHANWAR,825412, 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 Rajdhanwar Rar branch” — the verified location pin for IFSC IBKL063JS23 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9931124352 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 IBKL063JS23 and your account number.

Verifying IFSC IBKL063JS23 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 IBKL063JS23 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9931124352.
• Visiting the bank's official branch locator page.

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 Co-Op Bank Rajdhanwar Rar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL063JS23, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL063JS23 is the IFSC code of IDBI Bank, JHARKHAND STATE CO-OP BANK RAJDHANWAR RAR 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.