If you are searching for the IFSC code of Bank of India, SHIVAJI CIRCLE branch in BHAVNAGAR, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is BKID0003209. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SHIVAJI CIRCLE branch, and detailed step-by-step guides for using the IFSC BKID0003209 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 – SHIVAJI CIRCLE is BKID0003209. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003209 map to this branch in BHAVNAGAR, GUJARAT.
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Shivaji Circle branch in Bhavnagar, Gujarat is part of this network and uses the IFSC code BKID0003209 for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Shivaji Circle |
| IFSC Code | BKID0003209 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SUMERU APARTMENT F 1 PLOT NO 2412 13 A 1 2SUBHASH NAGAR MAIN ROAD WARD NO 6 |
| City | Bhavnagar |
| District | Bhavnagar |
| State | Gujarat |
| STD Code | 278 |
| Phone | 2782573991 |
Shivaji Circle branch overview
Located at SUMERU APARTMENT F 1 PLOT NO 2412 13 A 1 2SUBHASH NAGAR MAIN ROAD WARD NO 6, the Shivaji Circle branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0003209 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 SHIVAJI CIRCLE branch came to be assigned the code BKID0003209.
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 BKID0003209, money simply cannot be routed to the SHIVAJI CIRCLE branch electronically.
Products and account variants supported
Every account opened at the Shivaji Circle branch is mapped to IFSC BKID0003209 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 BKID0003209.
Products and services
Customers walking into the Shivaji Circle 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 BKID0003209
How to transfer money using IFSC BKID0003209
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 BKID0003209 across all three.
NEFT to Bank of India, SHIVAJI CIRCLE using IFSC BKID0003209
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 BKID0003209, and confirm that the system picks up Bank of India – SHIVAJI CIRCLE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0003209
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 – SHIVAJI CIRCLE, ensure your bank's portal accepts IFSC BKID0003209 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – SHIVAJI CIRCLE, use IMPS. With IFSC BKID0003209 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 BKID0003209 for Bank of India – SHIVAJI CIRCLE, 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 – BKID0003209 | Yes – BKID0003209 | Yes – BKID0003209 |
For most retail customers crediting the Shivaji Circle 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 SHIVAJI CIRCLE branch, the IFSC BKID0003209 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.
Digital banking channels
Most day-to-day work that customers used to do at the Shivaji Circle 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 BKID0003209 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.
MICR & cheque-truncation details
Cheques drawn on the Shivaji Circle branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0003209 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC BKID0003209
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 – SHIVAJI CIRCLE, 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:
BKID0003209. - 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.
Reaching the branch
The Shivaji Circle branch sits at SUMERU APARTMENT F 1 PLOT NO 2412 13 A 1 2SUBHASH NAGAR MAIN ROAD WARD NO 6. If you are travelling from outside Bhavnagar, search for the branch on a maps application using the bank name and locality, or call 278-2782573991 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 BKID0003209 and your account number.
Verifying IFSC BKID0003209 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 BKID0003209 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 278-2782573991.
- 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 Shivaji Circle branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0003209, however, work 24x7.
Branch address & contact
Bank of IndiaShivaji Circle Branch
SUMERU APARTMENT F 1 PLOT NO 2412 13 A 1 2SUBHASH NAGAR MAIN ROAD WARD NO 6
Bhavnagar, Gujarat
Phone: 278-2782573991
IFSC: BKID0003209
Frequently asked questions
How do I add Bank of India Shivaji Circle as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0003209, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using BKID0003209 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Shivaji Circle reflect within 30 minutes.
Does Bank of India Shivaji Circle branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 278-2782573991 to confirm.
What is the IFSC code of Bank of India Shivaji Circle branch?
The IFSC code of Bank of India, Shivaji Circle branch is BKID0003209. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC BKID0003209 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0003209 to send funds instantly.
What is the phone number of Bank of India Shivaji Circle branch?
You can reach the branch at 278-2782573991 during regular banking hours.
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 Shivaji Circle branch but serve different purposes.
Summary
The IFSC code BKID0003209 belongs to Bank of India's SHIVAJI CIRCLE branch, located at SUMERU APARTMENT F 1 PLOT NO 2412 13 A 1 2SUBHASH NAGAR MAIN ROAD WARD NO 6 in BHAVNAGAR, GUJARAT. 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.
