This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, AGARDANDA branch in AGARDANDA DIST RAIGAD. The 11-digit IFSC BKID0001226 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Bank of India at the AGARDANDA location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Bank of India's AGARDANDA branch, the IFSC BKID0001226 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 001226 identifies this particular branch.
About Bank of India
Bank of India operates a wide network of branches across India, including the Agardanda branch in Agardanda Dist Raigad. 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, BKID0001226.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Agardanda |
| IFSC Code | BKID0001226 |
| MICR Code | Refer to cheque leaf |
| Branch Address | JUMA MASJID BUILDINGAT POST AGARDANDA DIST RAIGAD |
| City | Agardanda Dist Raigad |
| District | Agardanda Dist Raigad |
| State | Maharashtra |
| STD Code | 2144 |
| Phone | 2144278319 |
About the Agardanda branch
The Agardanda branch of Bank of India is situated at JUMA MASJID BUILDINGAT POST AGARDANDA DIST RAIGAD. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code BKID0001226 is used.
Why every Bank of India 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 AGARDANDA of Bank of India — its own 11-character IFSC. The code BKID0001226 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 BKID0001226 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Agardanda branch
Once you have an account at Bank of India – AGARDANDA, the IFSC BKID0001226 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Agardanda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2144-2144278319.
- 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 BKID0001226
How to transfer money using IFSC BKID0001226
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 BKID0001226 across all three.
NEFT to Bank of India, AGARDANDA using IFSC BKID0001226
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 BKID0001226, and confirm that the system picks up Bank of India – AGARDANDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to AGARDANDA
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's AGARDANDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0001226 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – AGARDANDA, use IMPS. With IFSC BKID0001226 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 BKID0001226 for Bank of India – AGARDANDA, 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 – BKID0001226 | Yes – BKID0001226 | Yes – BKID0001226 |
For most retail customers crediting the Agardanda 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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Bank of India's AGARDANDA branch, the IFSC BKID0001226 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Digital banking channels
Most day-to-day work that customers used to do at the Agardanda 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 BKID0001226 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.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Bank of India carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC BKID0001226 and the account number together uniquely identify the Agardanda 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 Bank of India – AGARDANDA:
- The IFSC is exactly BKID0001226 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Bank of India as the bank name and AGARDANDA 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 Agardanda branch
The branch is located at JUMA MASJID BUILDINGAT POST AGARDANDA DIST RAIGAD, which puts it inside Agardanda Dist Raigad, the broader Agardanda Dist Raigad district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Agardanda branch” — the verified location pin for IFSC BKID0001226 should appear at the top of the results.
- Confirm the branch is open by calling 2144-2144278319 before stepping out, especially around public holidays.
- 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 BKID0001226 and your account number.
Verifying IFSC BKID0001226 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 BKID0001226 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2144-2144278319.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Agardanda 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 BKID0001226 continue to work without interruption.
Branch address & contact
Bank of IndiaAgardanda Branch
JUMA MASJID BUILDINGAT POST AGARDANDA DIST RAIGAD
Agardanda Dist Raigad, Maharashtra
Phone: 2144-2144278319
IFSC: BKID0001226
Frequently asked questions
How do I add Bank of India Agardanda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0001226, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC BKID0001226 the same for all accounts at Agardanda branch?
Yes. The IFSC BKID0001226 is shared by every account held at Bank of India's Agardanda branch. Only the account number changes from customer to customer.
Is IFSC BKID0001226 valid for NEFT and RTGS?
Yes. IFSC BKID0001226 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Bank of India Agardanda branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2144-2144278319 to confirm.
Where is Bank of India Agardanda branch located?
Bank of India's Agardanda branch is located at JUMA MASJID BUILDINGAT POST AGARDANDA DIST RAIGAD, Agardanda Dist Raigad, Maharashtra.
How quickly will an NEFT transfer using BKID0001226 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Agardanda reflect within 30 minutes.
Can I use IFSC BKID0001226 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0001226 to send funds instantly.
Final notes
To recap: BKID0001226 is the IFSC code of Bank of India, AGARDANDA branch, in AGARDANDA DIST RAIGAD, 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.
