IFSC Code of Bank of India, Iit Bhubaneswar Argul Branch, Odisha

If you are searching for the IFSC code of Bank of India, IIT BHUBANESWAR ARGUL branch in ARGUL ODISHA, ODISHA, this page has every detail you need. The verified IFSC code for this branch is BKID0005119. 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 IIT BHUBANESWAR ARGUL branch, and detailed step-by-step guides for using the IFSC BKID0005119 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 – IIT BHUBANESWAR ARGUL is BKID0005119. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005119 map to this branch in ARGUL ODISHA, ODISHA.

Branch details at a glance

Bank profile

Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Iit Bhubaneswar Argul branch — IFSC BKID0005119 — extends the bank's services to customers in and around Argul Odisha, Odisha.

About this branch

The branch is located at ATPO ARGULDIST KHURDAODISHA. It serves the Argul Odisha 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 BKID0005119 is used to identify this branch on the RBI payments network.

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 IIT BHUBANESWAR ARGUL branch came to be assigned the code BKID0005119.

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 BKID0005119, money simply cannot be routed to the IIT BHUBANESWAR ARGUL branch electronically.

How to transfer money using IFSC BKID0005119

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 BKID0005119 across all three.

NEFT to Bank of India, IIT BHUBANESWAR ARGUL using IFSC BKID0005119

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 BKID0005119, and confirm that the system picks up Bank of India – IIT BHUBANESWAR ARGUL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BKID0005119

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 – IIT BHUBANESWAR ARGUL, ensure your bank's portal accepts IFSC BKID0005119 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bank of India IIT BHUBANESWAR ARGUL (IFSC BKID0005119)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0005119 in your mobile or internet banking app, and the money is credited to the IIT BHUBANESWAR ARGUL branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC BKID0005119 for Bank of India – IIT BHUBANESWAR ARGUL, 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.

For most retail customers crediting the Iit Bhubaneswar Argul 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 BKID0005119

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 India – IIT BHUBANESWAR ARGUL is still mapped to IFSC BKID0005119. 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 BKID0005119 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Iit Bhubaneswar Argul branch is mapped to IFSC BKID0005119 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 BKID0005119.

Banking services available

The Iit Bhubaneswar Argul branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6755-695388.

• 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 BKID0005119

MICR & cheque-truncation details

Cheques drawn on the Iit Bhubaneswar Argul branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0005119 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Iit Bhubaneswar Argul 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 BKID0005119 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.

Common mistakes to avoid when using IFSC BKID0005119

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 – IIT BHUBANESWAR ARGUL, 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: BKID0005119.
• 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 Iit Bhubaneswar Argul branch sits at ATPO ARGULDIST KHURDAODISHA. If you are travelling from outside Argul Odisha, search for the branch on a maps application using the bank name and locality, or call 6755-695388 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 BKID0005119 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BKID0005119 for Bank of India – IIT BHUBANESWAR ARGUL, 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.

Working hours

Branch counters at Iit Bhubaneswar Argul 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 BKID0005119 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BKID0005119 belongs to Bank of India's IIT BHUBANESWAR ARGUL branch, located at ATPO ARGULDIST KHURDAODISHA in ARGUL ODISHA, ODISHA. 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.