This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, PERUNGUDI branch in CHENNAI. The 11-digit IFSC BKID0008039 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 PERUNGUDI 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, BKID0008039 is the IFSC of Bank of India's PERUNGUDI branch. The format is fixed: BKID = bank code, 0 = reserved, 008039 = branch identifier.
About Bank of India
Bank of India operates a wide network of branches across India, including the Perungudi branch in Chennai. 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, BKID0008039.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Perungudi |
| IFSC Code | BKID0008039 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PLOT NO 110111 RRR BUILDINGSBURMAH COLONYPERUNGUDIKANCHEEPURAM DISTRICT |
| City | Chennai |
| District | Chennai |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 9444085093 |
Perungudi branch overview
Located at PLOT NO 110111 RRR BUILDINGSBURMAH COLONYPERUNGUDIKANCHEEPURAM DISTRICT, the Perungudi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0008039 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 PERUNGUDI branch came to be assigned the code BKID0008039.
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 BKID0008039, money simply cannot be routed to the PERUNGUDI branch electronically.
Products and account variants supported
Every account opened at the Perungudi branch is mapped to IFSC BKID0008039 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 BKID0008039.
Products and services
Customers walking into the Perungudi 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 BKID0008039
How to transfer money using IFSC BKID0008039
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 BKID0008039 across all three.
NEFT to Bank of India, PERUNGUDI using IFSC BKID0008039
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 BKID0008039, and confirm that the system picks up Bank of India – PERUNGUDI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PERUNGUDI
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's PERUNGUDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0008039 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 – PERUNGUDI, use IMPS. With IFSC BKID0008039 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 BKID0008039 for Bank of India – PERUNGUDI, 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 – BKID0008039 | Yes – BKID0008039 | Yes – BKID0008039 |
For most retail customers crediting the Perungudi 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 PERUNGUDI branch, the IFSC BKID0008039 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 BKID0008039
Bank of India customers can register for net banking and the bank's official mobile app once their account at the PERUNGUDI 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 BKID0008039 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 BKID0008039 and the account number together uniquely identify the Perungudi 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 BKID0008039
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 – PERUNGUDI, 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:
BKID0008039. - 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 Perungudi branch
The branch is located at PLOT NO 110111 RRR BUILDINGSBURMAH COLONYPERUNGUDIKANCHEEPURAM DISTRICT, which puts it inside Chennai, the broader Chennai district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Perungudi branch” — the verified location pin for IFSC BKID0008039 should appear at the top of the results.
- Confirm the branch is open by calling 44-9444085093 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 BKID0008039 and your account number.
Verifying IFSC BKID0008039 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 BKID0008039 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-9444085093.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Perungudi 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 BKID0008039 continue to work without interruption.
Branch address & contact
Bank of IndiaPerungudi Branch
PLOT NO 110111 RRR BUILDINGSBURMAH COLONYPERUNGUDIKANCHEEPURAM DISTRICT
Chennai, Tamil Nadu
Phone: 44-9444085093
IFSC: BKID0008039
Frequently asked questions
Is IFSC BKID0008039 valid for NEFT and RTGS?
Yes. IFSC BKID0008039 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Bank of India Perungudi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0008039, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC BKID0008039 the same for all accounts at Perungudi branch?
Yes. The IFSC BKID0008039 is shared by every account held at Bank of India's Perungudi branch. Only the account number changes from customer to customer.
Does Bank of India Perungudi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-9444085093 to confirm.
Where is Bank of India Perungudi branch located?
Bank of India's Perungudi branch is located at PLOT NO 110111 RRR BUILDINGSBURMAH COLONYPERUNGUDIKANCHEEPURAM DISTRICT, Chennai, Tamil Nadu.
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 Perungudi branch but serve different purposes.
What is the IFSC code of Bank of India Perungudi branch?
The IFSC code of Bank of India, Perungudi branch is BKID0008039. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using BKID0008039 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Perungudi reflect within 30 minutes.
Final notes
To recap: BKID0008039 is the IFSC code of Bank of India, PERUNGUDI branch, in CHENNAI, TAMIL NADU. 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.
