This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, BAKRA branch in BAKRA DIST MIDANAPORE. The 11-digit IFSC BKID0004318 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 BAKRA 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Bank of India's BAKRA branch, the IFSC BKID0004318 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 004318 identifies this particular branch.
Bank profile
Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Bakra branch — IFSC BKID0004318 — extends the bank's services to customers in and around Bakra Dist Midanapore, West Bengal.
About the Bakra branch
The Bakra branch of Bank of India is situated at VILLAGE BAKRAP O BAKRA CHALKDISTMIDNAPORE. 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 BKID0004318 is used.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Bakra |
| IFSC Code | BKID0004318 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILLAGE BAKRAP O BAKRA CHALKDISTMIDNAPORE |
| City | Bakra Dist Midanapore |
| District | Bakra Dist Midanapore |
| State | West Bengal |
| STD Code | 3223 |
| Phone | 3223205417 |
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 BAKRA of Bank of India — its own 11-character IFSC. The code BKID0004318 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 BKID0004318 the same way you would treat your account number — verify it once and save it carefully for future use.
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 BKID0004318 and the account number together uniquely identify the Bakra branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC BKID0004318
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 BKID0004318 across all three.
How to use IFSC BKID0004318 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's BAKRA 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 BKID0004318.
- Confirm the bank name auto-populates as Bank of India and the branch as BAKRA.
- 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 BAKRA
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's BAKRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004318 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India BAKRA (IFSC BKID0004318)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0004318 in your mobile or internet banking app, and the money is credited to the BAKRA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0004318 for Bank of India – BAKRA, 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 – BKID0004318 | Yes – BKID0004318 | Yes – BKID0004318 |
For most retail customers crediting the Bakra 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 BAKRA branch, the IFSC BKID0004318 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 Bakra branch is mapped to IFSC BKID0004318 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 BKID0004318.
Banking services available
The Bakra branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3223-3223205417.
- 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 BKID0004318
Digital banking channels
Most day-to-day work that customers used to do at the Bakra 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 BKID0004318 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.
Reaching the branch
The Bakra branch sits at VILLAGE BAKRAP O BAKRA CHALKDISTMIDNAPORE. If you are travelling from outside Bakra Dist Midanapore, search for the branch on a maps application using the bank name and locality, or call 3223-3223205417 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 BKID0004318 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 – BAKRA:
- The IFSC is exactly BKID0004318 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 BAKRA 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.
Working hours
Branch counters at Bakra 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 BKID0004318 continue to work without interruption.
Verifying IFSC BKID0004318 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 BKID0004318 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 3223-3223205417.
- Visiting the bank's official branch locator page.
Branch address & contact
Bank of IndiaBakra Branch
VILLAGE BAKRAP O BAKRA CHALKDISTMIDNAPORE
Bakra Dist Midanapore, West Bengal
Phone: 3223-3223205417
IFSC: BKID0004318
Frequently asked questions
Where is Bank of India Bakra branch located?
Bank of India's Bakra branch is located at VILLAGE BAKRAP O BAKRA CHALKDISTMIDNAPORE, Bakra Dist Midanapore, West Bengal.
How quickly will an NEFT transfer using BKID0004318 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Bakra reflect within 30 minutes.
What is the phone number of Bank of India Bakra branch?
You can reach the branch at 3223-3223205417 during regular banking hours.
Is IFSC BKID0004318 valid for NEFT and RTGS?
Yes. IFSC BKID0004318 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC BKID0004318 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0004318 to send funds instantly.
Is IFSC BKID0004318 the same for all accounts at Bakra branch?
Yes. The IFSC BKID0004318 is shared by every account held at Bank of India's Bakra branch. Only the account number changes from customer to customer.
Summary
The IFSC code BKID0004318 belongs to Bank of India's BAKRA branch, located at VILLAGE BAKRAP O BAKRA CHALKDISTMIDNAPORE in BAKRA DIST MIDANAPORE, WEST BENGAL. 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.
