IFSC Code of IDBI Bank, Jharkhand State Co Op Bank Jhb Gamharia Gah Branch, Jharkhand

Below are the complete branch details for IDBI Bank, JHARKHAND STATE CO OP BANK JHB GAMHARIA GAH branch, located in JAMSHEDPUR, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is IBKL063JS91. 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 IBKL063JS91 for IDBI Bank – JHARKHAND STATE CO OP BANK JHB GAMHARIA GAH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 JHB GAMHARIA GAH branch, the IFSC IBKL063JS91 breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 63JS91 identifies this particular branch.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jharkhand State Co Op Bank Jhb Gamharia Gah branch — IFSC IBKL063JS91 — extends the bank's services to customers in and around Jamshedpur, Jharkhand.

Branch details at a glance

About the Jharkhand State Co Op Bank Jhb Gamharia Gah branch

The Jharkhand State Co Op Bank Jhb Gamharia Gah branch of IDBI Bank is situated at MAIN ROAD GAMAHARIA,JAMSHEDPUR 832108. 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 IBKL063JS91 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 JHB GAMHARIA GAH of IDBI Bank — its own 11-character IFSC. The code IBKL063JS91 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 IBKL063JS91 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 Co Op Bank Jhb Gamharia Gah branch

Once you have an account at IDBI Bank – JHARKHAND STATE CO OP BANK JHB GAMHARIA GAH, the IFSC IBKL063JS91 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 Co Op Bank Jhb Gamharia Gah branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 657-2425437.

• 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 IBKL063JS91

How to transfer money using IFSC IBKL063JS91

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 IBKL063JS91 across all three.

How to use IFSC IBKL063JS91 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 JHB GAMHARIA GAH 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 IBKL063JS91.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as JHARKHAND STATE CO OP BANK JHB GAMHARIA GAH.
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 IBKL063JS91

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 GAMHARIA GAH, ensure your bank's portal accepts IFSC IBKL063JS91 while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank JHARKHAND STATE CO OP BANK JHB GAMHARIA GAH (IFSC IBKL063JS91)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL063JS91 in your mobile or internet banking app, and the money is credited to the JHARKHAND STATE CO OP BANK JHB GAMHARIA GAH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Jharkhand State Co Op Bank Jhb Gamharia Gah

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 IBKL063JS91:

• 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 GAMHARIA GAH is still linked to IFSC IBKL063JS91.

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 JHB GAMHARIA GAH branch, the IFSC IBKL063JS91 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.

Online banking and IFSC IBKL063JS91

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 JHB GAMHARIA GAH 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 IBKL063JS91 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 Jhb Gamharia Gah branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL063JS91 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 JHB GAMHARIA GAH:

• The IFSC is exactly IBKL063JS91 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 GAMHARIA GAH 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 Co Op Bank Jhb Gamharia Gah branch sits at MAIN ROAD GAMAHARIA,JAMSHEDPUR 832108. If you are travelling from outside Jamshedpur, search for the branch on a maps application using the bank name and locality, or call 657-2425437 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 IBKL063JS91 and your account number.

Verifying IFSC IBKL063JS91 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 IBKL063JS91 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 657-2425437.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Jharkhand State Co Op Bank Jhb Gamharia Gah 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 IBKL063JS91 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL063JS91 belongs to IDBI Bank's JHARKHAND STATE CO OP BANK JHB GAMHARIA GAH branch, located at MAIN ROAD GAMAHARIA,JAMSHEDPUR 832108 in JAMSHEDPUR, 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.