Use this page as a one-stop reference for everything related to Bank of India's BANKA branch in BANKA, BIHAR. The branch's IFSC code BKID0004626 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 BANKA branch, the IFSC BKID0004626 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 004626 identifies this particular branch.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Banka |
| IFSC Code | BKID0004626 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1ST FLOOR JPS MARKETKATORIA ROAD BANKA DIST BANKA |
| City | Banka |
| District | Banka |
| State | Bihar |
| STD Code | 6424 |
| Phone | 6424233425 |
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Banka branch in Banka, Bihar is part of this network and uses the IFSC code BKID0004626 for all electronic settlement.
About this branch
The branch is located at 1ST FLOOR JPS MARKETKATORIA ROAD BANKA DIST BANKA. It serves the Banka 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 BKID0004626 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 BANKA branch came to be assigned the code BKID0004626.
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 BKID0004626, money simply cannot be routed to the BANKA branch electronically.
How to transfer money using IFSC BKID0004626
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 BKID0004626 across all three.
NEFT to Bank of India, BANKA using IFSC BKID0004626
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 BKID0004626, and confirm that the system picks up Bank of India – BANKA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BANKA
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's BANKA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004626 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 – BANKA, use IMPS. With IFSC BKID0004626 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 BKID0004626 for Bank of India – BANKA, 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 – BKID0004626 | Yes – BKID0004626 | Yes – BKID0004626 |
For most retail customers crediting the Banka 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 BANKA branch, the IFSC BKID0004626 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.
Account types you can open at the Banka branch
Once you have an account at Bank of India – BANKA, the IFSC BKID0004626 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Banka 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 BKID0004626
MICR & cheque-truncation details
Cheques drawn on the Banka branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0004626 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 Banka 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 BKID0004626 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 BKID0004626
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 – BANKA, 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:
BKID0004626. - 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.
How to reach the Banka branch
The branch is located at 1ST FLOOR JPS MARKETKATORIA ROAD BANKA DIST BANKA, which puts it inside Banka, the broader Banka district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Banka branch” — the verified location pin for IFSC BKID0004626 should appear at the top of the results.
- Confirm the branch is open by calling 6424-6424233425 before stepping out, especially around public holidays.
- 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 BKID0004626 and your account number.
Verifying IFSC BKID0004626 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 BKID0004626 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6424-6424233425.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Banka 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 BKID0004626 continue to work without interruption.
Branch address & contact
Bank of IndiaBanka Branch
1ST FLOOR JPS MARKETKATORIA ROAD BANKA DIST BANKA
Banka, Bihar
Phone: 6424-6424233425
IFSC: BKID0004626
Frequently asked questions
Can I use IFSC BKID0004626 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0004626 to send funds instantly.
What is the phone number of Bank of India Banka branch?
You can reach the branch at 6424-6424233425 during regular banking hours.
What is the IFSC code of Bank of India Banka branch?
The IFSC code of Bank of India, Banka branch is BKID0004626. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Bank of India Banka branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6424-6424233425 to confirm.
How do I add Bank of India Banka as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0004626, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using BKID0004626 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Banka reflect within 30 minutes.
Where is Bank of India Banka branch located?
Bank of India's Banka branch is located at 1ST FLOOR JPS MARKETKATORIA ROAD BANKA DIST BANKA, Banka, Bihar.
Final notes
To recap: BKID0004626 is the IFSC code of Bank of India, BANKA branch, in BANKA, BIHAR. 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.
