IFSC Code of IDBI Bank, Jharkhand State Co-Op Bank Basia Bas Branch, Jharkhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, JHARKHAND STATE CO-OP BANK BASIA BAS branch in GUMLA. The 11-digit IFSC IBKL063JS45 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with IDBI Bank at the JHARKHAND STATE CO-OP BANK BASIA BAS location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For IDBI Bank's JHARKHAND STATE CO-OP BANK BASIA BAS branch, the IFSC IBKL063JS45 breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 63JS45 identifies this particular branch.

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 Basia Bas branch in Gumla, Jharkhand is part of this network and uses the IFSC code IBKL063JS45 for all electronic settlement.

Branch details at a glance

About the Jharkhand State Co-Op Bank Basia Bas branch

The Jharkhand State Co-Op Bank Basia Bas branch of IDBI Bank is situated at MAIN ROAD,BASIA,GUMLA-835229. 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 IBKL063JS45 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 BASIA BAS of IDBI Bank — its own 11-character IFSC. The code IBKL063JS45 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 IBKL063JS45 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 Basia Bas branch is mapped to IFSC IBKL063JS45 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 IBKL063JS45.

Banking services available

The Jharkhand State Co-Op Bank Basia Bas branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9835144364.

• 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 IBKL063JS45

How to transfer money using IFSC IBKL063JS45

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 IBKL063JS45 across all three.

NEFT to IDBI Bank, JHARKHAND STATE CO-OP BANK BASIA BAS using IFSC IBKL063JS45

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 IBKL063JS45, and confirm that the system picks up IDBI Bank – JHARKHAND STATE CO-OP BANK BASIA BAS. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IBKL063JS45

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 BASIA BAS, ensure your bank's portal accepts IFSC IBKL063JS45 while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank JHARKHAND STATE CO-OP BANK BASIA BAS (IFSC IBKL063JS45)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL063JS45 in your mobile or internet banking app, and the money is credited to the JHARKHAND STATE CO-OP BANK BASIA BAS branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Jharkhand State Co-Op Bank Basia Bas

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 IBKL063JS45:

• 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 BASIA BAS is still linked to IFSC IBKL063JS45.

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 IBKL063JS45

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 BASIA BAS is still mapped to IFSC IBKL063JS45. 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 IBKL063JS45 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IBKL063JS45

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 BASIA BAS 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 IBKL063JS45 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 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 IBKL063JS45 and the account number together uniquely identify the Jharkhand State Co-Op Bank Basia Bas branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 BASIA BAS:

• The IFSC is exactly IBKL063JS45 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 BASIA BAS 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 Basia Bas branch

The branch is located at MAIN ROAD,BASIA,GUMLA-835229, which puts it inside Gumla, the broader Ul 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 Basia Bas branch” — the verified location pin for IFSC IBKL063JS45 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9835144364 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 IBKL063JS45 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL063JS45 for IDBI Bank – JHARKHAND STATE CO-OP BANK BASIA BAS, 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 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 Basia Bas branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL063JS45, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL063JS45 is the IFSC code of IDBI Bank, JHARKHAND STATE CO-OP BANK BASIA BAS branch, in GUMLA, 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.