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

If you are searching for the IFSC code of IDBI Bank, JHARKHAND STATE COOPERATIVE BANK LIMITED LALMATIA branch in GODDA, JHARKHAND, this page has every detail you need. The verified IFSC code for this branch is IBKL063JS02. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the JHARKHAND STATE COOPERATIVE BANK LIMITED LALMATIA branch, and detailed step-by-step guides for using the IFSC IBKL063JS02 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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, IBKL063JS02 is the IFSC of IDBI Bank's JHARKHAND STATE COOPERATIVE BANK LIMITED LALMATIA branch. The format is fixed: IBKL = bank code, 0 = reserved, 63JS02 = branch identifier.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jharkhand State Cooperative Bank Limited Lalmatia branch — IFSC IBKL063JS02 — extends the bank's services to customers in and around Godda, Jharkhand.

Branch details at a glance

Jharkhand State Cooperative Bank Limited Lalmatia branch overview

Located at NRNMAHGAMAP S,PRPARAD,P MAHAGAMA,DS GDDA814154, the Jharkhand State Cooperative Bank Limited Lalmatia branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL063JS02 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 COOPERATIVE BANK LIMITED LALMATIA of IDBI Bank — its own 11-character IFSC. The code IBKL063JS02 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 IBKL063JS02 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Jharkhand State Cooperative Bank Limited Lalmatia branch

Once you have an account at IDBI Bank – JHARKHAND STATE COOPERATIVE BANK LIMITED LALMATIA, the IFSC IBKL063JS02 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Jharkhand State Cooperative Bank Limited Lalmatia branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9523159272.

• 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 IBKL063JS02

How to transfer money using IFSC IBKL063JS02

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 IBKL063JS02 across all three.

NEFT to IDBI Bank, JHARKHAND STATE COOPERATIVE BANK LIMITED LALMATIA using IFSC IBKL063JS02

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 IBKL063JS02, and confirm that the system picks up IDBI Bank – JHARKHAND STATE COOPERATIVE BANK LIMITED LALMATIA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IBKL063JS02

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 LALMATIA, ensure your bank's portal accepts IFSC IBKL063JS02 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 COOPERATIVE BANK LIMITED LALMATIA, use IMPS. With IFSC IBKL063JS02 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 Cooperative Bank Limited Lalmatia

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 IBKL063JS02:

• 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 COOPERATIVE BANK LIMITED LALMATIA is still linked to IFSC IBKL063JS02.

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 IBKL063JS02

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 LALMATIA is still mapped to IFSC IBKL063JS02. 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 IBKL063JS02 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Jharkhand State Cooperative Bank Limited Lalmatia 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 IBKL063JS02 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.

MICR & cheque-truncation details

Cheques drawn on the Jharkhand State Cooperative Bank Limited Lalmatia branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL063JS02 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 COOPERATIVE BANK LIMITED LALMATIA:

• The IFSC is exactly IBKL063JS02 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 COOPERATIVE BANK LIMITED LALMATIA 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.

Reaching the branch

The Jharkhand State Cooperative Bank Limited Lalmatia branch sits at NRNMAHGAMAP S,PRPARAD,P MAHAGAMA,DS GDDA814154. If you are travelling from outside Godda, search for the branch on a maps application using the bank name and locality, or call 91-9523159272 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 IBKL063JS02 and your account number.

Verifying IFSC IBKL063JS02 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 IBKL063JS02 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9523159272.
• 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 Cooperative Bank Limited Lalmatia branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL063JS02, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL063JS02 belongs to IDBI Bank's JHARKHAND STATE COOPERATIVE BANK LIMITED LALMATIA branch, located at NRNMAHGAMAP S,PRPARAD,P MAHAGAMA,DS GDDA814154 in GODDA, 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.