IFSC Code of Bank of India, Chakdah Municipality Branch Branch, West Bengal

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, CHAKDAH MUNICIPALITY BRANCH branch in CHAKDAH. The 11-digit IFSC BKID0004063 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Bank of India at the CHAKDAH MUNICIPALITY BRANCH location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 CHAKDAH MUNICIPALITY BRANCH branch, the IFSC BKID0004063 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 004063 identifies this particular branch.

Bank profile

Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Chakdah Municipality Branch branch — IFSC BKID0004063 — extends the bank's services to customers in and around Chakdah, West Bengal.

Branch details at a glance

About the Chakdah Municipality Branch branch

The Chakdah Municipality Branch branch of Bank of India is situated at CHAKDAH MUNCIPAL PLAZA WEST OF NS ROADWARD NO 8 POST CHAKDAH. 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 BKID0004063 is used.

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 CHAKDAH MUNICIPALITY BRANCH branch came to be assigned the code BKID0004063.

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 BKID0004063, money simply cannot be routed to the CHAKDAH MUNICIPALITY BRANCH branch electronically.

Products and account variants supported

Every account opened at the Chakdah Municipality Branch branch is mapped to IFSC BKID0004063 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 BKID0004063.

Banking services available

The Chakdah Municipality Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3473-242049.

• 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 BKID0004063

How to transfer money using IFSC BKID0004063

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 BKID0004063 across all three.

NEFT to Bank of India, CHAKDAH MUNICIPALITY BRANCH using IFSC BKID0004063

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 BKID0004063, and confirm that the system picks up Bank of India – CHAKDAH MUNICIPALITY BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHAKDAH MUNICIPALITY BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's CHAKDAH MUNICIPALITY BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004063 while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of India CHAKDAH MUNICIPALITY BRANCH (IFSC BKID0004063)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0004063 in your mobile or internet banking app, and the money is credited to the CHAKDAH MUNICIPALITY BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chakdah Municipality Branch

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 BKID0004063:

• 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 CHAKDAH MUNICIPALITY BRANCH is still linked to IFSC BKID0004063.

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.

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 CHAKDAH MUNICIPALITY BRANCH branch, the IFSC BKID0004063 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 Chakdah Municipality Branch 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 BKID0004063 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 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 BKID0004063 and the account number together uniquely identify the Chakdah Municipality Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC BKID0004063

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 – CHAKDAH MUNICIPALITY BRANCH, 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: BKID0004063.
• 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 Chakdah Municipality Branch branch

The branch is located at CHAKDAH MUNCIPAL PLAZA WEST OF NS ROADWARD NO 8 POST CHAKDAH, which puts it inside Chakdah, the broader Chakdah district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of India Chakdah Municipality Branch branch” — the verified location pin for IFSC BKID0004063 should appear at the top of the results.
2. Confirm the branch is open by calling 3473-242049 before stepping out, especially around public holidays.
3. 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 BKID0004063 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BKID0004063 for Bank of India – CHAKDAH MUNICIPALITY BRANCH, 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 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 Chakdah Municipality Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0004063, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: BKID0004063 is the IFSC code of Bank of India, CHAKDAH MUNICIPALITY BRANCH branch, in CHAKDAH, 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.