IFSC Code of IDBI Bank, Jharkhand State Co Op Bank Chitarpur Chi Branch, Jharkhand

Below are the complete branch details for IDBI Bank, JHARKHAND STATE CO OP BANK CHITARPUR CHI branch, located in RAMGARH, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is IBKL063JS59. 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 IBKL063JS59 for IDBI Bank – JHARKHAND STATE CO OP BANK CHITARPUR CHI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, IBKL063JS59 is the IFSC of IDBI Bank's JHARKHAND STATE CO OP BANK CHITARPUR CHI branch. The format is fixed: IBKL = bank code, 0 = reserved, 63JS59 = branch identifier.

About IDBI Bank

IDBI Bank operates a wide network of branches across India, including the Jharkhand State Co Op Bank Chitarpur Chi branch in Ramgarh. 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, IBKL063JS59.

Branch details at a glance

About this branch

The branch is located at NEAR STATE BANK OF INDIA CHITARPUR,PIN 825101. It serves the Ramgarh 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 IBKL063JS59 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 CHITARPUR CHI branch came to be assigned the code IBKL063JS59.

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 IBKL063JS59, money simply cannot be routed to the JHARKHAND STATE CO OP BANK CHITARPUR CHI branch electronically.

Products and account variants supported

Every account opened at the Jharkhand State Co Op Bank Chitarpur Chi branch is mapped to IFSC IBKL063JS59 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 IBKL063JS59.

Products and services

Customers walking into the Jharkhand State Co Op Bank Chitarpur Chi 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 IBKL063JS59

How to transfer money using IFSC IBKL063JS59

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 IBKL063JS59 across all three.

How to use IFSC IBKL063JS59 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 CHITARPUR CHI 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 IBKL063JS59.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as JHARKHAND STATE CO OP BANK CHITARPUR CHI.
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 IBKL063JS59

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 CHITARPUR CHI, ensure your bank's portal accepts IFSC IBKL063JS59 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 CHITARPUR CHI, use IMPS. With IFSC IBKL063JS59 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 Chitarpur Chi

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 IBKL063JS59:

• 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 CHITARPUR CHI is still linked to IFSC IBKL063JS59.

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 IBKL063JS59

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 CHITARPUR CHI is still mapped to IFSC IBKL063JS59. 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 IBKL063JS59 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IBKL063JS59

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 CHITARPUR CHI 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 IBKL063JS59 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 IBKL063JS59 and the account number together uniquely identify the Jharkhand State Co Op Bank Chitarpur Chi 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 CHITARPUR CHI:

• The IFSC is exactly IBKL063JS59 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 CHITARPUR CHI 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 Chitarpur Chi branch

The branch is located at NEAR STATE BANK OF INDIA CHITARPUR,PIN 825101, which puts it inside Ramgarh, the broader Dumka 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 Chitarpur Chi branch” — the verified location pin for IFSC IBKL063JS59 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9431516531 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 IBKL063JS59 and your account number.

Verifying IFSC IBKL063JS59 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 IBKL063JS59 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9431516531.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Jharkhand State Co Op Bank Chitarpur Chi 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 IBKL063JS59 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL063JS59 is the IFSC code of IDBI Bank, JHARKHAND STATE CO OP BANK CHITARPUR CHI branch, in RAMGARH, 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.