This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, ARRAH branch in ARRAH BIHAR. The 11-digit IFSC BKID0004604 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 ARRAH 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, BKID0004604 is the IFSC of Bank of India's ARRAH branch. The format is fixed: BKID = bank code, 0 = reserved, 004604 = branch identifier.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Arrah |
| IFSC Code | BKID0004604 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPPOSITE TOWN SCHOOLDEANS TANK ROAD ARRAH |
| City | Arrah Bihar |
| District | Arrah Bihar |
| State | Bihar |
| STD Code | 6182 |
| Phone | 6182242496 |
About Bank of India
Bank of India operates a wide network of branches across India, including the Arrah branch in Arrah Bihar. 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, BKID0004604.
About the Arrah branch
The Arrah branch of Bank of India is situated at OPPOSITE TOWN SCHOOLDEANS TANK ROAD ARRAH. 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 BKID0004604 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 ARRAH branch came to be assigned the code BKID0004604.
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 BKID0004604, money simply cannot be routed to the ARRAH branch electronically.
How to transfer money using IFSC BKID0004604
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 BKID0004604 across all three.
How to use IFSC BKID0004604 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's ARRAH 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 BKID0004604.
- Confirm the bank name auto-populates as Bank of India and the branch as ARRAH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BKID0004604
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 – ARRAH, ensure your bank's portal accepts IFSC BKID0004604 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of India ARRAH (IFSC BKID0004604)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0004604 in your mobile or internet banking app, and the money is credited to the ARRAH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0004604 for Bank of India – ARRAH, 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 – BKID0004604 | Yes – BKID0004604 | Yes – BKID0004604 |
For most retail customers crediting the Arrah 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 BKID0004604
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 – ARRAH is still mapped to IFSC BKID0004604. 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 BKID0004604 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Arrah branch is mapped to IFSC BKID0004604 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 BKID0004604.
Products and services
Customers walking into the Arrah 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 BKID0004604
MICR & cheque-truncation details
Cheques drawn on the Arrah branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0004604 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC BKID0004604
Bank of India customers can register for net banking and the bank's official mobile app once their account at the ARRAH 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 BKID0004604 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.
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 – ARRAH:
- The IFSC is exactly BKID0004604 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 ARRAH 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.
Reaching the branch
The Arrah branch sits at OPPOSITE TOWN SCHOOLDEANS TANK ROAD ARRAH. If you are travelling from outside Arrah Bihar, search for the branch on a maps application using the bank name and locality, or call 6182-6182242496 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 BKID0004604 and your account number.
Verifying IFSC BKID0004604 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 BKID0004604 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6182-6182242496.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Arrah 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 BKID0004604 continue to work without interruption.
Branch address & contact
Bank of IndiaArrah Branch
OPPOSITE TOWN SCHOOLDEANS TANK ROAD ARRAH
Arrah Bihar, Bihar
Phone: 6182-6182242496
IFSC: BKID0004604
Frequently asked questions
Is IFSC BKID0004604 valid for NEFT and RTGS?
Yes. IFSC BKID0004604 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC BKID0004604 the same for all accounts at Arrah branch?
Yes. The IFSC BKID0004604 is shared by every account held at Bank of India's Arrah branch. Only the account number changes from customer to customer.
How do I add Bank of India Arrah as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0004604, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Bank of India Arrah branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6182-6182242496 to confirm.
What is the phone number of Bank of India Arrah branch?
You can reach the branch at 6182-6182242496 during regular banking hours.
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 Arrah branch but serve different purposes.
Summary
The IFSC code BKID0004604 belongs to Bank of India's ARRAH branch, located at OPPOSITE TOWN SCHOOLDEANS TANK ROAD ARRAH in ARRAH BIHAR, BIHAR. 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.
