Use this page as a one-stop reference for everything related to Bank of India's BARAUNI branch in BEGUSARAI, BIHAR. The branch's IFSC code BKID0005841 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Bank of India – BARAUNI is BKID0005841. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005841 map to this branch in BEGUSARAI, BIHAR.
About Bank of India
Bank of India operates a wide network of branches across India, including the Barauni branch in Begusarai. 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, BKID0005841.
About this branch
The branch is located at AT PO BARAUNI DIST BEGUSARAI. It serves the Begusarai 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 BKID0005841 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Barauni |
| IFSC Code | BKID0005841 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT PO BARAUNI DIST BEGUSARAI |
| City | Begusarai |
| District | Begusarai |
| State | Bihar |
| STD Code | 6243 |
| Phone | 6279232378 |
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 BARAUNI of Bank of India — its own 11-character IFSC. The code BKID0005841 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 BKID0005841 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 BKID0005841 and the account number together uniquely identify the Barauni branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC BKID0005841
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 BKID0005841 across all three.
How to use IFSC BKID0005841 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's BARAUNI 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 BKID0005841.
- Confirm the bank name auto-populates as Bank of India and the branch as BARAUNI.
- 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 BARAUNI
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's BARAUNI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0005841 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 – BARAUNI, use IMPS. With IFSC BKID0005841 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 BKID0005841 for Bank of India – BARAUNI, 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 – BKID0005841 | Yes – BKID0005841 | Yes – BKID0005841 |
For most retail customers crediting the Barauni 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 BKID0005841
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 – BARAUNI is still mapped to IFSC BKID0005841. 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 BKID0005841 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Barauni branch is mapped to IFSC BKID0005841 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 BKID0005841.
Products and services
Customers walking into the Barauni 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 BKID0005841
Digital banking channels
Most day-to-day work that customers used to do at the Barauni 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 BKID0005841 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 Barauni branch sits at AT PO BARAUNI DIST BEGUSARAI. If you are travelling from outside Begusarai, search for the branch on a maps application using the bank name and locality, or call 6243-6279232378 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 BKID0005841 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 – BARAUNI:
- The IFSC is exactly BKID0005841 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 BARAUNI 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.
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 Barauni branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0005841, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0005841 for Bank of India – BARAUNI, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Branch address & contact
Bank of IndiaBarauni Branch
AT PO BARAUNI DIST BEGUSARAI
Begusarai, Bihar
Phone: 6243-6279232378
IFSC: BKID0005841
Frequently asked questions
How do I add Bank of India Barauni as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0005841, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Bank of India Barauni branch?
The IFSC code of Bank of India, Barauni branch is BKID0005841. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using BKID0005841 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Barauni reflect within 30 minutes.
Is IFSC BKID0005841 the same for all accounts at Barauni branch?
Yes. The IFSC BKID0005841 is shared by every account held at Bank of India's Barauni branch. Only the account number changes from customer to customer.
Can I use IFSC BKID0005841 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0005841 to send funds instantly.
Is IFSC BKID0005841 valid for NEFT and RTGS?
Yes. IFSC BKID0005841 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code BKID0005841 belongs to Bank of India's BARAUNI branch, located at AT PO BARAUNI DIST BEGUSARAI in BEGUSARAI, 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.
