This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, LDM OFFICE CHATRA branch in CHATRA. The 11-digit IFSC BKID000L144 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 LDM OFFICE CHATRA 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, BKID000L144 is the IFSC of Bank of India's LDM OFFICE CHATRA branch. The format is fixed: BKID = bank code, 0 = reserved, 00L144 = branch identifier.
About Bank of India
Bank of India operates a wide network of branches across India, including the Ldm Office Chatra branch in Chatra. 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, BKID000L144.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Ldm Office Chatra |
| IFSC Code | BKID000L144 |
| MICR Code | Refer to cheque leaf |
| Branch Address | LDM OFFICE CHATRA |
| City | Chatra |
| District | Chatra |
| State | Jharkhand |
| STD Code | 91 |
| Phone | 9421392533 |
Ldm Office Chatra branch overview
Located at LDM OFFICE CHATRA, the Ldm Office Chatra branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID000L144 is required for all interbank electronic transfers routed through this branch.
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 LDM OFFICE CHATRA of Bank of India — its own 11-character IFSC. The code BKID000L144 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 BKID000L144 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Ldm Office Chatra branch is mapped to IFSC BKID000L144 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 BKID000L144.
Products and services
Customers walking into the Ldm Office Chatra 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 BKID000L144
How to transfer money using IFSC BKID000L144
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 BKID000L144 across all three.
How to use IFSC BKID000L144 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's LDM OFFICE CHATRA 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 BKID000L144.
- Confirm the bank name auto-populates as Bank of India and the branch as LDM OFFICE CHATRA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BKID000L144
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 – LDM OFFICE CHATRA, ensure your bank's portal accepts IFSC BKID000L144 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of India LDM OFFICE CHATRA (IFSC BKID000L144)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID000L144 in your mobile or internet banking app, and the money is credited to the LDM OFFICE CHATRA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ldm Office Chatra
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 BKID000L144:
- 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 LDM OFFICE CHATRA is still linked to IFSC BKID000L144.
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 LDM OFFICE CHATRA branch, the IFSC BKID000L144 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.
Online banking and IFSC BKID000L144
Bank of India customers can register for net banking and the bank's official mobile app once their account at the LDM OFFICE CHATRA 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 BKID000L144 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.
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 BKID000L144 and the account number together uniquely identify the Ldm Office Chatra 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 BKID000L144
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 – LDM OFFICE CHATRA, 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:
BKID000L144. - 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 Ldm Office Chatra branch sits at LDM OFFICE CHATRA. If you are travelling from outside Chatra, search for the branch on a maps application using the bank name and locality, or call 91-9421392533 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 BKID000L144 and your account number.
Verifying IFSC BKID000L144 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 BKID000L144 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9421392533.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ldm Office Chatra are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to BKID000L144 continue to work without interruption.
Branch address & contact
Bank of IndiaLdm Office Chatra Branch
LDM OFFICE CHATRA
Chatra, Jharkhand
Phone: 91-9421392533
IFSC: BKID000L144
Frequently asked questions
Is IFSC BKID000L144 the same for all accounts at Ldm Office Chatra branch?
Yes. The IFSC BKID000L144 is shared by every account held at Bank of India's Ldm Office Chatra branch. Only the account number changes from customer to customer.
Can I use IFSC BKID000L144 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID000L144 to send funds instantly.
How quickly will an NEFT transfer using BKID000L144 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Ldm Office Chatra reflect within 30 minutes.
What is the IFSC code of Bank of India Ldm Office Chatra branch?
The IFSC code of Bank of India, Ldm Office Chatra branch is BKID000L144. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Ldm Office Chatra branch but serve different purposes.
Is IFSC BKID000L144 valid for NEFT and RTGS?
Yes. IFSC BKID000L144 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Bank of India Ldm Office Chatra branch?
You can reach the branch at 91-9421392533 during regular banking hours.
Where is Bank of India Ldm Office Chatra branch located?
Bank of India's Ldm Office Chatra branch is located at LDM OFFICE CHATRA, Chatra, Jharkhand.
Summary
The IFSC code BKID000L144 belongs to Bank of India's LDM OFFICE CHATRA branch, located at LDM OFFICE CHATRA in CHATRA, JHARKHAND. 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.
