If you are searching for the IFSC code of Bank of America, RTGS-HO branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is BOFA0MM6205. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the RTGS-HO branch, and detailed step-by-step guides for using the IFSC BOFA0MM6205 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, BOFA0MM6205 is the IFSC of Bank of America's RTGS-HO branch. The format is fixed: BOFA = bank code, 0 = reserved, MM6205 = branch identifier.
Branch details at a glance
| Bank Name | Bank of America |
|---|---|
| Branch | RTGS-HO |
| IFSC Code | BOFA0MM6205 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BANK OF AMERICA N.A GR.FLOOR, ONE BKC, G-BLOCK, A-WING, BANDRA KURLA CPMPLEX , BANDRA EAST , MUMBAI-400051 |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 66323109 |
About the bank
Bank of America serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its RTGS-HO branch in Mumbai, Maharashtra is part of this network and uses the IFSC code BOFA0MM6205 for all electronic settlement.
RTGS-HO branch overview
Located at BANK OF AMERICA N.A GR.FLOOR, ONE BKC, G-BLOCK, A-WING, BANDRA KURLA CPMPLEX , BANDRA EAST , MUMBAI-400051, the RTGS-HO branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BOFA0MM6205 is required for all interbank electronic transfers routed through this branch.
Why every Bank of America branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including RTGS-HO of Bank of America — its own 11-character IFSC. The code BOFA0MM6205 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC BOFA0MM6205 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC BOFA0MM6205
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 BOFA0MM6205 across all three.
How to use IFSC BOFA0MM6205 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of America's RTGS-HO 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC BOFA0MM6205.
- Confirm the bank name auto-populates as Bank of America and the branch as RTGS-HO.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BOFA0MM6205
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 Bank of America – RTGS-HO, ensure your bank's portal accepts IFSC BOFA0MM6205 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of America – RTGS-HO, use IMPS. With IFSC BOFA0MM6205 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BOFA0MM6205 for Bank of America – RTGS-HO, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – BOFA0MM6205 | Yes – BOFA0MM6205 | Yes – BOFA0MM6205 |
For most retail customers crediting the RTGS-HO 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.
UPI payments and IFSC BOFA0MM6205
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 Bank of America – RTGS-HO is still mapped to IFSC BOFA0MM6205. 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 BOFA0MM6205 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the RTGS-HO branch is mapped to IFSC BOFA0MM6205 on the RBI payments network. The branch generally supports the full retail product catalogue of Bank of America, 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 BOFA0MM6205.
Products and services
Customers walking into the RTGS-HO branch can access most of Bank of America'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 BOFA0MM6205
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Bank of America carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC BOFA0MM6205 and the account number together uniquely identify the RTGS-HO branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC BOFA0MM6205
Bank of America customers can register for net banking and the bank's official mobile app once their account at the RTGS-HO 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 BOFA0MM6205 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.
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 Bank of America – RTGS-HO:
- The IFSC is exactly BOFA0MM6205 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Bank of America as the bank name and RTGS-HO 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.
Reaching the branch
The RTGS-HO branch sits at BANK OF AMERICA N.A GR.FLOOR, ONE BKC, G-BLOCK, A-WING, BANDRA KURLA CPMPLEX , BANDRA EAST , MUMBAI-400051. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-66323109 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 BOFA0MM6205 and your account number.
Verifying IFSC BOFA0MM6205 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 BOFA0MM6205 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-66323109.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at RTGS-HO 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 BOFA0MM6205 continue to work without interruption.
Branch address & contact
Bank of AmericaRTGS-HO Branch
BANK OF AMERICA N.A GR.FLOOR, ONE BKC, G-BLOCK, A-WING, BANDRA KURLA CPMPLEX , BANDRA EAST , MUMBAI-400051
Mumbai, Maharashtra
Phone: 22-66323109
IFSC: BOFA0MM6205
Frequently asked questions
Where is Bank of America RTGS-HO branch located?
Bank of America's RTGS-HO branch is located at BANK OF AMERICA N.A GR.FLOOR, ONE BKC, G-BLOCK, A-WING, BANDRA KURLA CPMPLEX , BANDRA EAST , MUMBAI-400051, Mumbai, Maharashtra.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the RTGS-HO branch but serve different purposes.
Is IFSC BOFA0MM6205 valid for NEFT and RTGS?
Yes. IFSC BOFA0MM6205 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Bank of America RTGS-HO branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-66323109 to confirm.
How quickly will an NEFT transfer using BOFA0MM6205 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of America – RTGS-HO reflect within 30 minutes.
Can I use IFSC BOFA0MM6205 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BOFA0MM6205 to send funds instantly.
Final notes
To recap: BOFA0MM6205 is the IFSC code of Bank of America, RTGS-HO branch, in MUMBAI, MAHARASHTRA. 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.
