IFSC Code of IDBI Bank, Jharkhand State Co Op Bank Jhb Sakchi Sak Branch, Jharkhand

Below are the complete branch details for IDBI Bank, JHARKHAND STATE CO OP BANK JHB SAKCHI SAK branch, located in JAMSHEDPUR, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is IBKL063JS92. 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 IBKL063JS92 for IDBI Bank – JHARKHAND STATE CO OP BANK JHB SAKCHI SAK — 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 JHB SAKCHI SAK is IBKL063JS92. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 63JS92 map to this branch in JAMSHEDPUR, JHARKHAND.

About IDBI Bank

IDBI Bank operates a wide network of branches across India, including the Jharkhand State Co Op Bank Jhb Sakchi Sak branch in Jamshedpur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IBKL063JS92.

Branch details at a glance

About this branch

The branch is located at OPP HOTEL SAGAR,NEW KALIMATI ROAD,SAKCHI,JAMSHEDPUR 831001. It serves the Jamshedpur region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of IDBI Bank. The IFSC IBKL063JS92 is used to identify this branch on the RBI payments network.

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 JHB SAKCHI SAK branch came to be assigned the code IBKL063JS92.

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 IBKL063JS92, money simply cannot be routed to the JHARKHAND STATE CO OP BANK JHB SAKCHI SAK branch electronically.

Products and account variants supported

Every account opened at the Jharkhand State Co Op Bank Jhb Sakchi Sak branch is mapped to IFSC IBKL063JS92 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 IBKL063JS92.

Products and services

Customers walking into the Jharkhand State Co Op Bank Jhb Sakchi Sak 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 IBKL063JS92

How to transfer money using IFSC IBKL063JS92

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 IBKL063JS92 across all three.

How to use IFSC IBKL063JS92 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 SAKCHI SAK 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 IBKL063JS92.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as JHARKHAND STATE CO OP BANK JHB SAKCHI SAK.
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 IBKL063JS92

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 SAKCHI SAK, ensure your bank's portal accepts IFSC IBKL063JS92 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 CO OP BANK JHB SAKCHI SAK, use IMPS. With IFSC IBKL063JS92 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 Jhb Sakchi Sak

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 IBKL063JS92:

• 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 SAKCHI SAK is still linked to IFSC IBKL063JS92.

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 SAKCHI SAK branch, the IFSC IBKL063JS92 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.

Digital banking channels

Most day-to-day work that customers used to do at the Jharkhand State Co Op Bank Jhb Sakchi Sak 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 IBKL063JS92 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 Co Op Bank Jhb Sakchi Sak branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL063JS92 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC IBKL063JS92

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 JHB SAKCHI SAK, 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: IBKL063JS92.
• 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.

Reaching the branch

The Jharkhand State Co Op Bank Jhb Sakchi Sak branch sits at OPP HOTEL SAGAR,NEW KALIMATI ROAD,SAKCHI,JAMSHEDPUR 831001. If you are travelling from outside Jamshedpur, search for the branch on a maps application using the bank name and locality, or call 657-2436849 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 IBKL063JS92 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL063JS92 for IDBI Bank – JHARKHAND STATE CO OP BANK JHB SAKCHI SAK, 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 Jhb Sakchi Sak 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 IBKL063JS92 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL063JS92 is the IFSC code of IDBI Bank, JHARKHAND STATE CO OP BANK JHB SAKCHI SAK branch, in JAMSHEDPUR, 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.