If you are searching for the IFSC code of Bank of India, ADHYAPAK NAGAR branch in AMARGOL, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is BKID0008982. 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 ADHYAPAK NAGAR branch, and detailed step-by-step guides for using the IFSC BKID0008982 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.
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 – ADHYAPAK NAGAR is BKID0008982. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 008982 map to this branch in AMARGOL, KARNATAKA.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Adhyapak Nagar |
| IFSC Code | BKID0008982 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ADHYAPAK NAGAR 15 CTS 1 2 52 A NEAR SUB JAIL AND MARUTHI MANDIR PIN CODE 580032 |
| City | Amargol |
| District | Dharwad |
| State | Karnataka |
| STD Code | 91 |
| Phone | 8362214540 |
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Adhyapak Nagar branch in Amargol, Karnataka is part of this network and uses the IFSC code BKID0008982 for all electronic settlement.
About the Adhyapak Nagar branch
The Adhyapak Nagar branch of Bank of India is situated at ADHYAPAK NAGAR 15 CTS 1 2 52 A NEAR SUB JAIL AND MARUTHI MANDIR PIN CODE 580032. 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 BKID0008982 is used.
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 ADHYAPAK NAGAR branch came to be assigned the code BKID0008982.
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 BKID0008982, money simply cannot be routed to the ADHYAPAK NAGAR branch electronically.
How to transfer money using IFSC BKID0008982
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 BKID0008982 across all three.
NEFT to Bank of India, ADHYAPAK NAGAR using IFSC BKID0008982
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 BKID0008982, and confirm that the system picks up Bank of India – ADHYAPAK NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0008982
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 India – ADHYAPAK NAGAR, ensure your bank's portal accepts IFSC BKID0008982 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – ADHYAPAK NAGAR, use IMPS. With IFSC BKID0008982 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Adhyapak Nagar
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 BKID0008982:
- 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 ADHYAPAK NAGAR is still linked to IFSC BKID0008982.
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 ADHYAPAK NAGAR branch, the IFSC BKID0008982 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.
Account types you can open at the Adhyapak Nagar branch
Once you have an account at Bank of India – ADHYAPAK NAGAR, the IFSC BKID0008982 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.
Products and services
Customers walking into the Adhyapak Nagar 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 BKID0008982
MICR & cheque-truncation details
Cheques drawn on the Adhyapak Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0008982 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC BKID0008982
Bank of India customers can register for net banking and the bank's official mobile app once their account at the ADHYAPAK NAGAR 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 BKID0008982 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.
Common mistakes to avoid when using IFSC BKID0008982
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Bank of India – ADHYAPAK NAGAR, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
BKID0008982. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Adhyapak Nagar branch sits at ADHYAPAK NAGAR 15 CTS 1 2 52 A NEAR SUB JAIL AND MARUTHI MANDIR PIN CODE 580032. If you are travelling from outside Amargol, search for the branch on a maps application using the bank name and locality, or call 91-8362214540 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 BKID0008982 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0008982 for Bank of India – ADHYAPAK NAGAR, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
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 Adhyapak Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0008982, however, work 24x7.
Branch address & contact
Bank of IndiaAdhyapak Nagar Branch
ADHYAPAK NAGAR 15 CTS 1 2 52 A NEAR SUB JAIL AND MARUTHI MANDIR PIN CODE 580032
Amargol, Karnataka
Phone: 91-8362214540
IFSC: BKID0008982
Frequently asked questions
Is IFSC BKID0008982 the same for all accounts at Adhyapak Nagar branch?
Yes. The IFSC BKID0008982 is shared by every account held at Bank of India's Adhyapak Nagar branch. Only the account number changes from customer to customer.
What is the IFSC code of Bank of India Adhyapak Nagar branch?
The IFSC code of Bank of India, Adhyapak Nagar branch is BKID0008982. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Bank of India Adhyapak Nagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0008982, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Bank of India Adhyapak Nagar branch located?
Bank of India's Adhyapak Nagar branch is located at ADHYAPAK NAGAR 15 CTS 1 2 52 A NEAR SUB JAIL AND MARUTHI MANDIR PIN CODE 580032, Amargol, Karnataka.
How quickly will an NEFT transfer using BKID0008982 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Adhyapak Nagar reflect within 30 minutes.
Does Bank of India Adhyapak Nagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8362214540 to confirm.
Is IFSC BKID0008982 valid for NEFT and RTGS?
Yes. IFSC BKID0008982 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Adhyapak Nagar branch but serve different purposes.
Summary
The IFSC code BKID0008982 belongs to Bank of India's ADHYAPAK NAGAR branch, located at ADHYAPAK NAGAR 15 CTS 1 2 52 A NEAR SUB JAIL AND MARUTHI MANDIR PIN CODE 580032 in AMARGOL, KARNATAKA. 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.
