This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, APTA branch in APTA DIST RAIGAD. The 11-digit IFSC BKID0001227 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 APTA 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.
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 – APTA is BKID0001227. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001227 map to this branch in APTA DIST RAIGAD, MAHARASHTRA.
About Bank of India
Bank of India operates a wide network of branches across India, including the Apta branch in Apta 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, BKID0001227.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Apta |
| IFSC Code | BKID0001227 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ALMAS BAZAR PETH APTATALUKA PANVELDISTRAIGAD |
| City | Apta Dist Raigad |
| District | Apta Dist Raigad |
| State | Maharashtra |
| STD Code | 2143 |
| Phone | 2143228133 |
About this branch
The branch is located at ALMAS BAZAR PETH APTATALUKA PANVELDISTRAIGAD. It serves the Apta Dist Raigad 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 BKID0001227 is used to identify this branch on the RBI payments network.
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 APTA of Bank of India — its own 11-character IFSC. The code BKID0001227 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 BKID0001227 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Apta branch is mapped to IFSC BKID0001227 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 BKID0001227.
Products and services
Customers walking into the Apta 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 BKID0001227
How to transfer money using IFSC BKID0001227
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 BKID0001227 across all three.
NEFT to Bank of India, APTA using IFSC BKID0001227
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 BKID0001227, and confirm that the system picks up Bank of India – APTA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to APTA
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's APTA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0001227 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 – APTA, use IMPS. With IFSC BKID0001227 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 BKID0001227 for Bank of India – APTA, 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 – BKID0001227 | Yes – BKID0001227 | Yes – BKID0001227 |
For most retail customers crediting the Apta 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 APTA branch, the IFSC BKID0001227 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.
Online banking and IFSC BKID0001227
Bank of India customers can register for net banking and the bank's official mobile app once their account at the APTA 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 BKID0001227 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.
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 BKID0001227 and the account number together uniquely identify the Apta branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC BKID0001227
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 – APTA, 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:
BKID0001227. - 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 Apta branch sits at ALMAS BAZAR PETH APTATALUKA PANVELDISTRAIGAD. If you are travelling from outside Apta Dist Raigad, search for the branch on a maps application using the bank name and locality, or call 2143-2143228133 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 BKID0001227 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0001227 for Bank of India – APTA, 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 Apta branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0001227, however, work 24x7.
Branch address & contact
Bank of IndiaApta Branch
ALMAS BAZAR PETH APTATALUKA PANVELDISTRAIGAD
Apta Dist Raigad, Maharashtra
Phone: 2143-2143228133
IFSC: BKID0001227
Frequently asked questions
What is the phone number of Bank of India Apta branch?
You can reach the branch at 2143-2143228133 during regular banking hours.
Does Bank of India Apta branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2143-2143228133 to confirm.
Is IFSC BKID0001227 valid for NEFT and RTGS?
Yes. IFSC BKID0001227 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Bank of India Apta branch?
The IFSC code of Bank of India, Apta branch is BKID0001227. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Bank of India Apta branch located?
Bank of India's Apta branch is located at ALMAS BAZAR PETH APTATALUKA PANVELDISTRAIGAD, Apta Dist Raigad, Maharashtra.
Is IFSC BKID0001227 the same for all accounts at Apta branch?
Yes. The IFSC BKID0001227 is shared by every account held at Bank of India's Apta branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using BKID0001227 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Apta reflect within 30 minutes.
Final notes
To recap: BKID0001227 is the IFSC code of Bank of India, APTA branch, in APTA 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.
