IFSC Code of IDBI Bank, Jharkhand State Co Op Bank Main Branch Mbr Branch, Jharkhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, JHARKHAND STATE CO OP BANK MAIN BRANCH MBR branch in LOHARDAGA. The 11-digit IFSC IBKL063JS76 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 MAIN BRANCH MBR 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, IBKL063JS76 is the IFSC of IDBI Bank's JHARKHAND STATE CO OP BANK MAIN BRANCH MBR branch. The format is fixed: IBKL = bank code, 0 = reserved, 63JS76 = branch identifier.

About IDBI Bank

IDBI Bank operates a wide network of branches across India, including the Jharkhand State Co Op Bank Main Branch Mbr branch in Lohardaga. 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, IBKL063JS76.

Jharkhand State Co Op Bank Main Branch Mbr branch overview

Located at MISSION CHOWK,GUMLA ROAD,LOHARDAGA 835302, the Jharkhand State Co Op Bank Main Branch Mbr branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL063JS76 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 MAIN BRANCH MBR branch came to be assigned the code IBKL063JS76.

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 IBKL063JS76, money simply cannot be routed to the JHARKHAND STATE CO OP BANK MAIN BRANCH MBR branch electronically.

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 IBKL063JS76 and the account number together uniquely identify the Jharkhand State Co Op Bank Main Branch Mbr branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC IBKL063JS76

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 IBKL063JS76 across all three.

How to use IFSC IBKL063JS76 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 MAIN BRANCH MBR 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 IBKL063JS76.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as JHARKHAND STATE CO OP BANK MAIN BRANCH MBR.
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 IBKL063JS76

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 MAIN BRANCH MBR, ensure your bank's portal accepts IFSC IBKL063JS76 while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank JHARKHAND STATE CO OP BANK MAIN BRANCH MBR (IFSC IBKL063JS76)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL063JS76 in your mobile or internet banking app, and the money is credited to the JHARKHAND STATE CO OP BANK MAIN BRANCH MBR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IBKL063JS76 for IDBI Bank – JHARKHAND STATE CO OP BANK MAIN BRANCH MBR, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Jharkhand State Co Op Bank Main Branch Mbr branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

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 MAIN BRANCH MBR branch, the IFSC IBKL063JS76 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.

Account types you can open at the Jharkhand State Co Op Bank Main Branch Mbr branch

Once you have an account at IDBI Bank – JHARKHAND STATE CO OP BANK MAIN BRANCH MBR, the IFSC IBKL063JS76 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.

Products and services

Customers walking into the Jharkhand State Co Op Bank Main Branch Mbr 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 IBKL063JS76

Online banking and IFSC IBKL063JS76

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 MAIN BRANCH MBR 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 IBKL063JS76 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.

Reaching the branch

The Jharkhand State Co Op Bank Main Branch Mbr branch sits at MISSION CHOWK,GUMLA ROAD,LOHARDAGA 835302. If you are travelling from outside Lohardaga, search for the branch on a maps application using the bank name and locality, or call 91-9471170449 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 IBKL063JS76 and your account number.

Common mistakes to avoid when using IFSC IBKL063JS76

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 MAIN BRANCH MBR, 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: IBKL063JS76.
• 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.

Working hours

Branch counters at Jharkhand State Co Op Bank Main Branch Mbr 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 IBKL063JS76 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL063JS76 for IDBI Bank – JHARKHAND STATE CO OP BANK MAIN BRANCH MBR, 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 address & contact

Frequently asked questions

Final notes

To recap: IBKL063JS76 is the IFSC code of IDBI Bank, JHARKHAND STATE CO OP BANK MAIN BRANCH MBR branch, in LOHARDAGA, 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.