Use this page as a one-stop reference for everything related to Bank of India's KHAIR branch in ALIGARH, UTTAR PRADESH. The branch's IFSC code BKID0007754 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Bank of India – KHAIR is BKID0007754. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 007754 map to this branch in ALIGARH, UTTAR PRADESH.
About Bank of India
Bank of India operates a wide network of branches across India, including the Khair branch in Aligarh. 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, BKID0007754.
About this branch
The branch is located at AGARSEN MARKET ALIGARH PALWAL ROAD KHAIR NPEEPAL MANDI KHAIR TEHSILKHAIR 202138DISTTUP. It serves the Aligarh region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Bank of India. The IFSC BKID0007754 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Khair |
| IFSC Code | BKID0007754 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AGARSEN MARKET ALIGARH PALWAL ROAD KHAIR NPEEPAL MANDI KHAIR TEHSILKHAIR 202138DISTTUP |
| City | Aligarh |
| District | Aligarh |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 9638576548 |
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 Bank of India's KHAIR branch came to be assigned the code BKID0007754.
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 BKID0007754, money simply cannot be routed to the KHAIR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Khair branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0007754 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC BKID0007754
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 BKID0007754 across all three.
How to use IFSC BKID0007754 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's KHAIR 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 BKID0007754.
- Confirm the bank name auto-populates as Bank of India and the branch as KHAIR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to KHAIR
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's KHAIR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0007754 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India KHAIR (IFSC BKID0007754)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0007754 in your mobile or internet banking app, and the money is credited to the KHAIR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Khair
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 BKID0007754:
- 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 KHAIR is still linked to IFSC BKID0007754.
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.
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 KHAIR branch, the IFSC BKID0007754 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.
Products and account variants supported
Every account opened at the Khair branch is mapped to IFSC BKID0007754 on the RBI payments network. The branch generally supports the full retail product catalogue of Bank of India, 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 BKID0007754.
Products and services
Customers walking into the Khair branch can access most of Bank of India'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 BKID0007754
Online banking and IFSC BKID0007754
Bank of India customers can register for net banking and the bank's official mobile app once their account at the KHAIR 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 BKID0007754 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.
Reaching the branch
The Khair branch sits at AGARSEN MARKET ALIGARH PALWAL ROAD KHAIR NPEEPAL MANDI KHAIR TEHSILKHAIR 202138DISTTUP. If you are travelling from outside Aligarh, search for the branch on a maps application using the bank name and locality, or call 91-9638576548 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 BKID0007754 and your account number.
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 – KHAIR:
- The IFSC is exactly BKID0007754 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 KHAIR 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Khair branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0007754, however, work 24x7.
Verifying IFSC BKID0007754 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 BKID0007754 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9638576548.
- Visiting the bank's official branch locator page.
Branch address & contact
Bank of IndiaKhair Branch
AGARSEN MARKET ALIGARH PALWAL ROAD KHAIR NPEEPAL MANDI KHAIR TEHSILKHAIR 202138DISTTUP
Aligarh, Uttar Pradesh
Phone: 91-9638576548
IFSC: BKID0007754
Frequently asked questions
How do I add Bank of India Khair as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0007754, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Bank of India Khair branch?
You can reach the branch at 91-9638576548 during regular banking hours.
Does Bank of India Khair branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9638576548 to confirm.
Is IFSC BKID0007754 valid for NEFT and RTGS?
Yes. IFSC BKID0007754 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using BKID0007754 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Khair reflect within 30 minutes.
Can I use IFSC BKID0007754 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0007754 to send funds instantly.
Where is Bank of India Khair branch located?
Bank of India's Khair branch is located at AGARSEN MARKET ALIGARH PALWAL ROAD KHAIR NPEEPAL MANDI KHAIR TEHSILKHAIR 202138DISTTUP, Aligarh, Uttar Pradesh.
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 Khair branch but serve different purposes.
Summary
The IFSC code BKID0007754 belongs to Bank of India's KHAIR branch, located at AGARSEN MARKET ALIGARH PALWAL ROAD KHAIR NPEEPAL MANDI KHAIR TEHSILKHAIR… in ALIGARH, UTTAR PRADESH. 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.
