IFSC Code of Bank of India, Malleswaram C and P Banking Branch, Karnataka

Use this page as a one-stop reference for everything related to Bank of India's MALLESWARAM C AND P BANKING branch in BANGALORE, KARNATAKA. The branch's IFSC code BKID0008401 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 MALLESWARAM C AND P BANKING branch, the IFSC BKID0008401 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 008401 identifies this particular branch.

About Bank of India

Bank of India operates a wide network of branches across India, including the Malleswaram C and P Banking branch in Bangalore. 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, BKID0008401.

Branch details at a glance

Malleswaram C and P Banking branch overview

Located at NO112 MARGOSA ROADBETWEEN 10TH AND 11TH CROSS, the Malleswaram C and P Banking branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0008401 is required for all interbank electronic transfers routed through this branch.

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 MALLESWARAM C AND P BANKING branch came to be assigned the code BKID0008401.

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 BKID0008401, money simply cannot be routed to the MALLESWARAM C AND P BANKING branch electronically.

Products and account variants supported

Every account opened at the Malleswaram C and P Banking branch is mapped to IFSC BKID0008401 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 BKID0008401.

Banking services available

The Malleswaram C and P Banking branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 80-8022959497.

• 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 BKID0008401

How to transfer money using IFSC BKID0008401

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 BKID0008401 across all three.

NEFT to Bank of India, MALLESWARAM C AND P BANKING using IFSC BKID0008401

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 BKID0008401, and confirm that the system picks up Bank of India – MALLESWARAM C AND P BANKING. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MALLESWARAM C AND P BANKING

If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's MALLESWARAM C AND P BANKING branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0008401 while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of India MALLESWARAM C AND P BANKING (IFSC BKID0008401)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0008401 in your mobile or internet banking app, and the money is credited to the MALLESWARAM C AND P BANKING branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Malleswaram C and P Banking

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 BKID0008401:

• 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 MALLESWARAM C AND P BANKING is still linked to IFSC BKID0008401.

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.

UPI payments and IFSC BKID0008401

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 – MALLESWARAM C AND P BANKING is still mapped to IFSC BKID0008401. 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 BKID0008401 and the beneficiary's account number to complete the transfer.

Online banking and IFSC BKID0008401

Bank of India customers can register for net banking and the bank's official mobile app once their account at the MALLESWARAM C AND P BANKING 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 BKID0008401 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 BKID0008401 and the account number together uniquely identify the Malleswaram C and P Banking branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – MALLESWARAM C AND P BANKING:

• The IFSC is exactly BKID0008401 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 MALLESWARAM C AND P BANKING 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.

How to reach the Malleswaram C and P Banking branch

The branch is located at NO112 MARGOSA ROADBETWEEN 10TH AND 11TH CROSS, which puts it inside Bangalore, the broader Bangalore district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of India Malleswaram C and P Banking branch” — the verified location pin for IFSC BKID0008401 should appear at the top of the results.
2. Confirm the branch is open by calling 80-8022959497 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC BKID0008401 and your account number.

Verifying IFSC BKID0008401 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 BKID0008401 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 80-8022959497.
• Visiting the bank's official branch locator page.

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 Malleswaram C and P Banking branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0008401, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BKID0008401 belongs to Bank of India's MALLESWARAM C AND P BANKING branch, located at NO112 MARGOSA ROADBETWEEN 10TH AND 11TH CROSS in BANGALORE, 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.