Use this page as a one-stop reference for everything related to Bank of India's BERHAMPUR GANJAM branch in BERHAMPUR, ODISHA. The branch's IFSC code BKID0005151 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 – BERHAMPUR GANJAM is BKID0005151. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005151 map to this branch in BERHAMPUR, ODISHA.
Bank profile
Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Berhampur Ganjam branch — IFSC BKID0005151 — extends the bank's services to customers in and around Berhampur, Odisha.
Berhampur Ganjam branch overview
Located at RAMLINGAM TANK ROADBERHAMPUR,, the Berhampur Ganjam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0005151 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Berhampur Ganjam |
| IFSC Code | BKID0005151 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RAMLINGAM TANK ROADBERHAMPUR, |
| City | Berhampur |
| District | Berhampur |
| State | Odisha |
| STD Code | 680 |
| Phone | 6802250269 |
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 BERHAMPUR GANJAM of Bank of India — its own 11-character IFSC. The code BKID0005151 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 BKID0005151 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 BKID0005151 and the account number together uniquely identify the Berhampur Ganjam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC BKID0005151
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 BKID0005151 across all three.
NEFT to Bank of India, BERHAMPUR GANJAM using IFSC BKID0005151
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 BKID0005151, and confirm that the system picks up Bank of India – BERHAMPUR GANJAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0005151
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Bank of India – BERHAMPUR GANJAM, ensure your bank's portal accepts IFSC BKID0005151 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – BERHAMPUR GANJAM, use IMPS. With IFSC BKID0005151 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 BKID0005151 for Bank of India – BERHAMPUR GANJAM, 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 – BKID0005151 | Yes – BKID0005151 | Yes – BKID0005151 |
For most retail customers crediting the Berhampur Ganjam 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 BKID0005151
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 – BERHAMPUR GANJAM is still mapped to IFSC BKID0005151. 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 BKID0005151 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Berhampur Ganjam branch is mapped to IFSC BKID0005151 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 BKID0005151.
Banking services available
The Berhampur Ganjam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 680-6802250269.
- 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 BKID0005151
Online banking and IFSC BKID0005151
Bank of India customers can register for net banking and the bank's official mobile app once their account at the BERHAMPUR GANJAM 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 BKID0005151 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.
How to reach the Berhampur Ganjam branch
The branch is located at RAMLINGAM TANK ROADBERHAMPUR,, which puts it inside Berhampur, the broader Berhampur district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Berhampur Ganjam branch” — the verified location pin for IFSC BKID0005151 should appear at the top of the results.
- Confirm the branch is open by calling 680-6802250269 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 BKID0005151 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 – BERHAMPUR GANJAM:
- The IFSC is exactly BKID0005151 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 BERHAMPUR GANJAM 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 Berhampur Ganjam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0005151, however, work 24x7.
Verifying IFSC BKID0005151 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 BKID0005151 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 680-6802250269.
- Visiting the bank's official branch locator page.
Branch address & contact
Bank of IndiaBerhampur Ganjam Branch
RAMLINGAM TANK ROADBERHAMPUR,
Berhampur, Odisha
Phone: 680-6802250269
IFSC: BKID0005151
Frequently asked questions
How do I add Bank of India Berhampur Ganjam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0005151, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Berhampur Ganjam branch but serve different purposes.
Is IFSC BKID0005151 the same for all accounts at Berhampur Ganjam branch?
Yes. The IFSC BKID0005151 is shared by every account held at Bank of India's Berhampur Ganjam branch. Only the account number changes from customer to customer.
Where is Bank of India Berhampur Ganjam branch located?
Bank of India's Berhampur Ganjam branch is located at RAMLINGAM TANK ROADBERHAMPUR,, Berhampur, Odisha.
Can I use IFSC BKID0005151 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0005151 to send funds instantly.
Is IFSC BKID0005151 valid for NEFT and RTGS?
Yes. IFSC BKID0005151 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Bank of India Berhampur Ganjam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 680-6802250269 to confirm.
How quickly will an NEFT transfer using BKID0005151 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Berhampur Ganjam reflect within 30 minutes.
Final notes
To recap: BKID0005151 is the IFSC code of Bank of India, BERHAMPUR GANJAM branch, in BERHAMPUR, ODISHA. 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.
