Bank of India IFSC code

Take it from something the bank printed, not from memory. A Bank of India branch code is mostly digits, and digits are the easiest thing in banking to transpose.

1. 1

   Check the chequebook

   Use a current bank-issued cheque or other account detail that prints the IFSC.

2. 2

   Open BOI Mobile or net banking

   Use the IFSC displayed in current bank-issued account details.

3. 3

   Use the bank’s branch locator

   Use Bank of India’s current official branch search; the archived URL cited in the draft captured only a bot challenge.

4. 4

   Search the branch table below

   All 7,176 records have a page with branch and address fields; 434 have no MICR in the dataset.

BKID

Bank code — identical on every branch

0

Always the digit zero, never the letter O

000001

Branch — Mumbai Main, Mahatma Gandhi Road

Bank of India numbers its branches instead of abbreviating them. Of the 7,176 codes indexed here, 5,644 end in six digits running from 000001 to 009992. The rest mix letters and digits and are mostly back-office entries — BKID000L031 is the Lead District Manager office in Kannauj, BKID000ZA34 the zonal audit office in Bhopal. A letter in the tail is unusual, not wrong.

This is the trap specific to Bank of India, and not a small one: 1,343 of the codes indexed here — nearly one in five — begin BKID0MG and belong to Madhya Pradesh Gramin Bank, a regional rural bank that Bank of India sponsors and that runs on the BKID0 prefix. Their branch names start MPGB, and BKID0MG9999 is its head office in Indore.

All three domestic rails route on the beneficiary’s branch IFSC: the RBI’s NEFT form asks for the “Beneficiary’s Branch IFSC”, RTGS for the “IFSC number of the receiving branch”. What changes is the amount and the price.

The RBI’s limits sit on top. RTGS carries a ₹2,00,000 minimum “with no upper or maximum ceiling” and has run 24x7x365 since 14 December 2020. For NEFT, RBI says it imposes no amount limit, though a member bank may set one; the system runs round the clock.

An IFSC will not bring money into India — it is a domestic routing code. A wire needs Bank of India’s SWIFT code. BKIDINBB is the head-office BIC in Mumbai; branch BICs add three letters, and 222 are indexed here.

In the correspondent list archived in February 2024, Bank of India published JP Morgan Chase Bank, New York for US dollars (CHASUS33, ABA 021000021); Bank of India, London for pounds (BKIDGB2L, sort code 609390); and its Paris and Tokyo branches for euros and yen. Confirm current routing before sending.

A failed NEFT should come back on its own: the RBI requires the destination bank to return a transaction it cannot credit “within two hours of completion of the batch”. If nothing was credited and nothing came back, the instruction itself is what to check.

1. 01Read BKID0 back character by character — the fifth character is the digit zero, never the letter O.
2. 02Check the six characters after it against the beneficiary’s chequebook or app — digits transpose silently.
3. 03If the code begins BKID0MG, the beneficiary bank is Madhya Pradesh Gramin Bank — correct the bank name on the form, not the code.
4. 04Confirm the account number too — a correct IFSC with a wrong account number fails the same way.
5. 05If nothing is credited and nothing is returned, quote the transaction reference to the sending bank.