This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, JOWAI branch in JOWAI. The 11-digit IFSC IBKL0001223 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 JOWAI 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.
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, IBKL0001223 is the IFSC of IDBI Bank's JOWAI branch. The format is fixed: IBKL = bank code, 0 = reserved, 001223 = branch identifier.
About the bank
IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Jowai branch in Jowai, Meghalaya is part of this network and uses the IFSC code IBKL0001223 for all electronic settlement.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Jowai |
| IFSC Code | IBKL0001223 |
| MICR Code | Refer to cheque leaf |
| Branch Address | IDBI BANK LTD, MERUSA AND SONS COMPLEX,LADTHADLABOH,WEST JAINTIA HILLS,JOWAI 793150 |
| City | Jowai |
| District | Jaintia Hills |
| State | Meghalaya |
| STD Code | 91 |
| Phone | 8402917126 |
Jowai branch overview
Located at IDBI BANK LTD, MERUSA AND SONS COMPLEX,LADTHADLABOH,WEST JAINTIA HILLS,JOWAI 793150, the Jowai branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0001223 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 JOWAI of IDBI Bank — its own 11-character IFSC. The code IBKL0001223 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 IBKL0001223 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 Jowai branch
Once you have an account at IDBI Bank – JOWAI, the IFSC IBKL0001223 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 Jowai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8402917126.
- 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 IBKL0001223
How to transfer money using IFSC IBKL0001223
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 IBKL0001223 across all three.
NEFT to IDBI Bank, JOWAI using IFSC IBKL0001223
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 IBKL0001223, and confirm that the system picks up IDBI Bank – JOWAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to JOWAI
If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's JOWAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0001223 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to IDBI Bank – JOWAI, use IMPS. With IFSC IBKL0001223 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 Jowai
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 IBKL0001223:
- 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 JOWAI is still linked to IFSC IBKL0001223.
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 IBKL0001223
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 – JOWAI is still mapped to IFSC IBKL0001223. 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 IBKL0001223 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 Jowai 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 IBKL0001223 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 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 IBKL0001223 and the account number together uniquely identify the Jowai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IBKL0001223
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 – JOWAI, 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:
IBKL0001223. - 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.
How to reach the Jowai branch
The branch is located at IDBI BANK LTD, MERUSA AND SONS COMPLEX,LADTHADLABOH,WEST JAINTIA HILLS,JOWAI 793150, which puts it inside Jowai, the broader Jaintia Hills district, and the state of Meghalaya. To plan your visit:
- Open Google Maps on your phone and search for “IDBI Bank Jowai branch” — the verified location pin for IFSC IBKL0001223 should appear at the top of the results.
- Confirm the branch is open by calling 91-8402917126 before stepping out, especially around public holidays.
- 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 IBKL0001223 and your account number.
Verifying IFSC IBKL0001223 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 IBKL0001223 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8402917126.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Jowai 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 IBKL0001223 continue to work without interruption.
Branch address & contact
IDBI BankJowai Branch
IDBI BANK LTD, MERUSA AND SONS COMPLEX,LADTHADLABOH,WEST JAINTIA HILLS,JOWAI 793150
Jowai, Meghalaya
Phone: 91-8402917126
IFSC: IBKL0001223
Frequently asked questions
Is IFSC IBKL0001223 the same for all accounts at Jowai branch?
Yes. The IFSC IBKL0001223 is shared by every account held at IDBI Bank's Jowai branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Jowai branch but serve different purposes.
How quickly will an NEFT transfer using IBKL0001223 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Jowai reflect within 30 minutes.
What is the IFSC code of IDBI Bank Jowai branch?
The IFSC code of IDBI Bank, Jowai branch is IBKL0001223. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add IDBI Bank Jowai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL0001223, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IBKL0001223 valid for NEFT and RTGS?
Yes. IFSC IBKL0001223 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC IBKL0001223 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IBKL0001223 to send funds instantly.
What is the phone number of IDBI Bank Jowai branch?
You can reach the branch at 91-8402917126 during regular banking hours.
Summary
The IFSC code IBKL0001223 belongs to IDBI Bank's JOWAI branch, located at IDBI BANK LTD, MERUSA AND SONS COMPLEX,LADTHADLABOH,WEST JAINTIA HILLS,JOWAI… in JOWAI, MEGHALAYA. 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.
