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

Below are the complete branch details for IDBI Bank, JHARKHAND STATE CO OP BANK MAIN BRANCH MBR branch, located in SIMDEGA, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is IBKL063JS29. 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 IBKL063JS29 for IDBI Bank – JHARKHAND STATE CO OP BANK MAIN BRANCH MBR — 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, IBKL063JS29 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, 63JS29 = branch identifier.

Branch details at a glance

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 Main Branch Mbr branch — IFSC IBKL063JS29 — extends the bank's services to customers in and around Simdega, Jharkhand.

Jharkhand State Co Op Bank Main Branch Mbr branch overview

Located at CO OPERATIVE COMPLEX,JASHPUR ROAD,GUMLA 835207, 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 IBKL063JS29 is required for all interbank electronic transfers routed through this branch.

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 IBKL063JS29.

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 IBKL063JS29, money simply cannot be routed to the JHARKHAND STATE CO OP BANK MAIN BRANCH MBR branch electronically.

How to transfer money using IFSC IBKL063JS29

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 IBKL063JS29 across all three.

NEFT to IDBI Bank, JHARKHAND STATE CO OP BANK MAIN BRANCH MBR using IFSC IBKL063JS29

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 IBKL063JS29, and confirm that the system picks up IDBI Bank – JHARKHAND STATE CO OP BANK MAIN BRANCH MBR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IBKL063JS29

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 IBKL063JS29 while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank JHARKHAND STATE CO OP BANK MAIN BRANCH MBR (IFSC IBKL063JS29)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL063JS29 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.

Comparing NEFT, RTGS and IMPS for transfers to Jharkhand State Co Op Bank Main Branch Mbr

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 IBKL063JS29:

• 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 MAIN BRANCH MBR is still linked to IFSC IBKL063JS29.

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 IBKL063JS29

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 MAIN BRANCH MBR is still mapped to IFSC IBKL063JS29. 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 IBKL063JS29 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Jharkhand State Co Op Bank Main Branch Mbr branch is mapped to IFSC IBKL063JS29 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 IBKL063JS29.

Banking services available

The Jharkhand State Co Op Bank Main Branch Mbr branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8674829611.

• 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 IBKL063JS29

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 IBKL063JS29 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.

Digital banking channels

Most day-to-day work that customers used to do at the Jharkhand State Co Op Bank Main Branch Mbr 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 IBKL063JS29 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.

Common mistakes to avoid when using IFSC IBKL063JS29

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: IBKL063JS29.
• 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 Jharkhand State Co Op Bank Main Branch Mbr branch

The branch is located at CO OPERATIVE COMPLEX,JASHPUR ROAD,GUMLA 835207, which puts it inside Simdega, the broader Gumla 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 Main Branch Mbr branch” — the verified location pin for IFSC IBKL063JS29 should appear at the top of the results.
2. Confirm the branch is open by calling 91-8674829611 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 IBKL063JS29 and your account number.

Verifying IFSC IBKL063JS29 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 IBKL063JS29 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-8674829611.
• Visiting the bank's official branch locator page.

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 IBKL063JS29 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL063JS29 belongs to IDBI Bank's JHARKHAND STATE CO OP BANK MAIN BRANCH MBR branch, located at CO OPERATIVE COMPLEX,JASHPUR ROAD,GUMLA 835207 in SIMDEGA, 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.