Jharkhand State Co Operative Bank IFSC Code and MICR Code

Find Jharkhand State Co Operative Bank IFSC Code, MICR Code and branch details for NEFT, RTGS & IMPS transactions.

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Jharkhand State Co Operative Bank IFSC Code, MICR Code and SWIFT Code

Jharkhand State Cooperative Bank is a reliable financial institution with headquarters in Ranchi, Jharkhand. It has five branches operating successfully across the state of Jharkhand. But to redeem banking services efficiently, you must know your Jharkhand State Co Operative Bank IFSC Code. 

You might have heard of this banking credential while conducting banking transactions. The IFSC code is a one-of-a-kind 11-digit alpha-numeric code. It facilitates transaction verification and payment source recognition.

The code also facilitates interbank payment monitoring as well as communication between the branches. For NEFT, RTGS, IMPS fund transfers, and many other online payments, the IFSC code is mandatory. The Reserve Bank of India also uses this code.

MICR is yet another credential banks use to speed up the transaction and authentication of cheques. This code is present on the cheque leaf. If you want to understand more about these codes, their applications, and how to obtain them, browse through our comprehensive guide.

Jharkhand State Cooperative Bank IFSC Code


To perform digital money transfers, you need to have the IFSC code. It is also crucial for the security of electronic payments since the RBI, and all other banks use it to oversee and track transactions. 

Besides that, the code specifies where the money originates and where it ends up. It helps with transaction oversight by ensuring that your transactions are performed on time and securely.

The IFSC code has the format CDEF0123456 and is subject to a set of regulations. For example, the Jharkhand State Co Operative Bank Ranchi branch IFSC code is IBKL063JS63. This code consists of three sections:

  • The Initial four letters (IBKL) give the Bank Name.
  • The 5th letter will always be zero (0).
  • The last six numbers (63JS63) give you your Branch Code

Jharkhand State Cooperative Bank MICR Code

The MICR code is also a significant identification code. Banks use MICR (Magnetic Ink Character Recognition) technology to print these codes. They use it for inspecting, validating, and settling checks.

The MICR code comprises nine characters and follows the pattern "123456789." Jharkhand State Cooperative Bank's Ranchi branch, for instance, has MICR code 834735000. The first three numbers (834), which are the same as the PIN code, signify the city code.

The following three numbers represent the bank code (735), while the final three digits represent the branch code (000). The MICR code for Jharkhand State Cooperative Bank is always present at the bottom of the cheque leaf.

How to Find the IFSC Code, MICR Code & Swift Code of the Jharkhand State Cooperative Bank?


To make a payment, you will always need to present the IFSC and MICR codes for Jharkhand State Cooperative Bank. Check whether you have all relevant information before proceeding with the payment. 

These crucial codes can be retrieved in a variety of ways, such as the following:

Find Your Bank

Find Your Bank is a financial services website that provides a package of facilities. It's one of the easiest ways to obtain the codes for your bank account. To retrieve the IFSC and MICR codes, go to their website and enter the following information:

  • Name of the bank
  • State
  • District
  • Branch
  • Click 'Enter'

The correct codes will display on your screen when you enter all of the info and hit enter. Find Your Bank also offers an easy-to-use mobile application that you can easily reach from any location. You may quickly discover codes on your phone with a few swipes.

The Bank's Documents

You can almost always find your account details on the bank documentation. The IFSC and MICR codes are present on any account passbook or cheque leaf. These codes are usually there on the first page of your bank passbook or chequebook.


The Reserve Bank of India's website also has the IFSC and MICR codes for Jharkhand State Cooperative Bank. This is because it keeps a directory of all Indian bank branch codes.

Use Internet Banking or Mobile Banking

To obtain the codes, sign in to your bank's online banking or mobile banking platform using your credentials. After you log in, go through the many choices to choose whichever is appropriate. Jharkhand State Cooperative Bank's IFSC or MICR code would be readily available.

Make Contact with the Bank

One might worry if none of these ways works for any reason. In that case, simply contact your bank's customer service department for assistance in acquiring your IFSC and MICR credentials.

How to Transfer Money Through NEFT, RTGS & IMPS?


Banking users love digital payment systems like NEFT, RTGS, and IMPS compared to traditional banking in the current digital era because they are faster and easier. You can make such transfers from wherever you are using only a few snippets of information.

To make these transactions, you'll need the following credentials along with the Jharkhand State Co Operative Bank IFSC code:

  • The Amount of transaction
  • Beneficiary's bank name
  • Beneficiary's name
  • Account number of the remitter
  • Account number of the beneficiary
  • IFSC Code of the beneficiary's branch
  • Sender to receiver information, if applicable

These details will always be important when making transactions via online payment systems.

National Electronic Fund Transfer (NEFT)

The Reserve Bank of India (RBI) was the first to create the National Electronic Fund Transfer (NEFT) system. It is now among the most popular ways of getting money quickly. Batch settlements and DNS (Deferred Net Settling) processes enable it.

The details of the NEFT service provided by Jharkhand State Cooperative Bank are:

Timings Available at all times
Charges Applicable
  • Rs 2.50 on transactions up to Rs 10,000
  • Rs 5 on transactions above Rs 10,000 & up to Rs 1 lakh
  • Rs 15 on transactions above Rs 1 lakh and up to Rs 2 lakh
  • Above Rs 2 lakh, it is Rs 25


Settlement Half-hourly batches
Maximum and Minimum Limits 5 lakh/day

GST applicable.

You must use internet banking or mobile banking to make an NEFT payment. Pick the NEFT option after logging onto the proper platform. Then, fill up the essential fields to add your beneficiary. Make sure you read all the terms and conditions before finishing the NEFT transaction.

Real-Time Gross Settlement (RTGS)

RTGS, or Real-Time Gross Settlement, is yet another immediate electronic transaction technique. The bank completes all electronic transactions through RTGS at the moment of reception, whether in bulk or individually. Hence, people call it "real-time."

Because they are irreversible, RTGS payments are generally preferable for more considerable sums.

Timings Bank working hours
Charges Applicable
  • Rs 25 on transactions up to Rs 2 lakh to Rs 5 lakh
  • Rs 50 on transactions above Rs 5 lakh
Settlement Real-time
Minimum and Maximum Limits
  • The Minimum limit is Rs. 2 lakhs
  • Maximum is 10 lakhs

GST applicable.

Sign in to your bank's online or mobile banking interface to access the RTGS service. Then, choose RTGS transfer of funds and provide the Jharkhand State Co Operative Bank IFSC code, as well as any other pertinent information.

Carefully check the information you enter and the terms and conditions prior to completing the transfer.

Immediate Payment Service (IMPS)

IMPS is a type of electronic money transfer system that runs 24 hours a day, seven days a week, including holidays. It is a popular choice for money transfer operations since the settlement is rapid and the process is straightforward.

To use the IMPS service, go to the Jharkhand State Cooperative Bank's online or mobile banking interface. To make an IMPS payment, you'll need the following information:

  • MMID or Mobile Money Identifier Code 
  • MMID Code of the Beneficiary
  • Account number of the Beneficiary
  • Your Mobile number 
  • The AADHAR card number of the Beneficiary
  • IFSC Code of the Beneficiary's branch
Timings Available all times
Settlement Instant
  • Rs 5 on transactions up to Rs 1 lakh
  • Rs 15 on transactions above Rs 1 lakh and up to Rs 2 lakh
Minimum Limit Rs. 10
Maximum Limit Rs. 2 Lakhs

GST applicable.

Sign in to the Jharkhand State Cooperative Bank's smartphone app with your credentials to utilize the IMPS service. Then, from the many money transfer options available, select IMPS and provide the necessary information.

You will get a passcode on your phone number during the transaction, which you must input in order to finalize the transaction.

When you use the password to validate the payment, you will receive a confirmation text message on your mobile phone number, including a transaction number. This indicates that your transaction went smoothly.

The transaction number you receive is helpful for tracking the status of the payment. It will also help you if there are any problems. To receive money, you can utilize one of these electronic transfer choices. You just need to provide the sender with the above information. 

About the Jharkhand State Cooperative Bank Ltd


The State Cabinet Resolution No 6 founded the Jharkhand State Cooperative Bank (JSCB) in October 2002. BSCB Ltd handed the assets and liabilities of five of its branches in Jharkhand to the JSCB in 2012. 

Jharkhand's government applies two-tier cooperative credit systems. Under this agreement, all eight cooperative banks, including their branches, will combine and become JSCB branches. JSCB will have a single management team. All associated LAMPS/PACS will give service.

Customers can get savings accounts, fixed deposits, loans, PPF accounts, recurring deposits, lockers, mobile banking, net banking, and a variety of programs from the bank. It focuses on providing people with prompt and personalized financial services.

The bank's principal mission is to be a customer-friendly bank that offers easy, effective, and seamless services to its customers. Customers can make either offline or online payments using the bank's technologically sophisticated financial services.

Frequently Asked Questions

1) What are the various Modes of Payment accepted here?

You can make both offline and online payments in Jharkhand State Cooperative Bank. In online mode, you can go for various payment systems, including NEFT, RTGS, and IMPS. These transaction systems are quick and extremely reliable.

2) What is the Jharkhand State Cooperative Bank Balance Enquiry Number?

You can call the customer care number to find out the Jharkhand State Cooperative Bank balance inquiry number.

3) What is the Jharkhand State Cooperative Bank Customer Care Number?

The customer care number of Jharkhand State Cooperative Bank is  0651 2225000. You can also use the customer care email IDs for any queries. These are [email protected] and [email protected].

4) Is Internet Banking at Jharkhand State Cooperative Bank Secure?

Jharkhand State Cooperative Bank provides complete security of internet financial transfers. When you log in to your internet banking account, it employs industry-standard security services and a multi-level authentication technique to validate your identity.