Use this page as a one-stop reference for everything related to Bank of India's BANKRA branch in BANKRA DISTHOWRA, WEST BENGAL. The branch's IFSC code BKID0004087 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 BANKRA branch, the IFSC BKID0004087 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 004087 identifies this particular branch.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Bankra |
| IFSC Code | BKID0004087 |
| MICR Code | Refer to cheque leaf |
| Branch Address | M C TOWER VIII PO BANKRA NEAR BANKRA DOTALABUS STOP P S DOMJURE DIST HOWRAH |
| City | Bankra Disthowra |
| District | Bankra Disthowra |
| State | West Bengal |
| STD Code | 33 |
| Phone | 3326530134 |
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bankra branch in Bankra Disthowra, West Bengal is part of this network and uses the IFSC code BKID0004087 for all electronic settlement.
About the Bankra branch
The Bankra branch of Bank of India is situated at M C TOWER VIII PO BANKRA NEAR BANKRA DOTALABUS STOP P S DOMJURE DIST HOWRAH. 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 BKID0004087 is used.
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 BANKRA of Bank of India — its own 11-character IFSC. The code BKID0004087 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 BKID0004087 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC BKID0004087
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 BKID0004087 across all three.
NEFT to Bank of India, BANKRA using IFSC BKID0004087
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 BKID0004087, and confirm that the system picks up Bank of India – BANKRA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BANKRA
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's BANKRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004087 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 – BANKRA, use IMPS. With IFSC BKID0004087 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Bankra
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 BKID0004087:
- 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 BANKRA is still linked to IFSC BKID0004087.
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 BKID0004087
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 – BANKRA is still mapped to IFSC BKID0004087. 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 BKID0004087 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Bankra branch is mapped to IFSC BKID0004087 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 BKID0004087.
Banking services available
The Bankra branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-3326530134.
- 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 BKID0004087
MICR & cheque-truncation details
Cheques drawn on the Bankra branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0004087 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC BKID0004087
Bank of India customers can register for net banking and the bank's official mobile app once their account at the BANKRA 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 BKID0004087 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 – BANKRA:
- The IFSC is exactly BKID0004087 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 BANKRA 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 Bankra branch
The branch is located at M C TOWER VIII PO BANKRA NEAR BANKRA DOTALABUS STOP P S DOMJURE DIST HOWRAH, which puts it inside Bankra Disthowra, the broader Bankra Disthowra district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Bankra branch” — the verified location pin for IFSC BKID0004087 should appear at the top of the results.
- Confirm the branch is open by calling 33-3326530134 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 BKID0004087 and your account number.
Verifying IFSC BKID0004087 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 BKID0004087 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-3326530134.
- 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 Bankra branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0004087, however, work 24x7.
Branch address & contact
Bank of IndiaBankra Branch
M C TOWER VIII PO BANKRA NEAR BANKRA DOTALABUS STOP P S DOMJURE DIST HOWRAH
Bankra Disthowra, West Bengal
Phone: 33-3326530134
IFSC: BKID0004087
Frequently asked questions
Where is Bank of India Bankra branch located?
Bank of India's Bankra branch is located at M C TOWER VIII PO BANKRA NEAR BANKRA DOTALABUS STOP P S DOMJURE DIST HOWRAH, Bankra Disthowra, West Bengal.
How quickly will an NEFT transfer using BKID0004087 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Bankra reflect within 30 minutes.
Is IFSC BKID0004087 valid for NEFT and RTGS?
Yes. IFSC BKID0004087 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC BKID0004087 the same for all accounts at Bankra branch?
Yes. The IFSC BKID0004087 is shared by every account held at Bank of India's Bankra branch. Only the account number changes from customer to customer.
Does Bank of India Bankra branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-3326530134 to confirm.
Can I use IFSC BKID0004087 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0004087 to send funds instantly.
Final notes
To recap: BKID0004087 is the IFSC code of Bank of India, BANKRA branch, in BANKRA DISTHOWRA, WEST BENGAL. 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.
