This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, ROYAPETTAH branch in CHENNAI. The 11-digit IFSC BKID0008005 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 ROYAPETTAH 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, BKID0008005 is the IFSC of Bank of India's ROYAPETTAH branch. The format is fixed: BKID = bank code, 0 = reserved, 008005 = branch identifier.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Royapettah |
| IFSC Code | BKID0008005 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DOOR 240 OLD 130 ROYAPETTAH HIGH ROADROYAPETTAH |
| City | Chennai |
| District | Chennai |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 4428130201 |
About Bank of India
Bank of India operates a wide network of branches across India, including the Royapettah 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, BKID0008005.
About the Royapettah branch
The Royapettah branch of Bank of India is situated at DOOR 240 OLD 130 ROYAPETTAH HIGH ROADROYAPETTAH. 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 BKID0008005 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 ROYAPETTAH branch came to be assigned the code BKID0008005.
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 BKID0008005, money simply cannot be routed to the ROYAPETTAH branch electronically.
How to transfer money using IFSC BKID0008005
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 BKID0008005 across all three.
How to use IFSC BKID0008005 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's ROYAPETTAH 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 BKID0008005.
- Confirm the bank name auto-populates as Bank of India and the branch as ROYAPETTAH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BKID0008005
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 – ROYAPETTAH, ensure your bank's portal accepts IFSC BKID0008005 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – ROYAPETTAH, use IMPS. With IFSC BKID0008005 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 BKID0008005 for Bank of India – ROYAPETTAH, 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 – BKID0008005 | Yes – BKID0008005 | Yes – BKID0008005 |
For most retail customers crediting the Royapettah 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 BKID0008005
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 – ROYAPETTAH is still mapped to IFSC BKID0008005. 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 BKID0008005 and the beneficiary's account number to complete the transfer.
Account types you can open at the Royapettah branch
Once you have an account at Bank of India – ROYAPETTAH, the IFSC BKID0008005 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Royapettah 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 BKID0008005
MICR & cheque-truncation details
Cheques drawn on the Royapettah branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0008005 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Royapettah 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 BKID0008005 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.
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 – ROYAPETTAH:
- The IFSC is exactly BKID0008005 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 ROYAPETTAH 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.
Reaching the branch
The Royapettah branch sits at DOOR 240 OLD 130 ROYAPETTAH HIGH ROADROYAPETTAH. If you are travelling from outside Chennai, search for the branch on a maps application using the bank name and locality, or call 44-4428130201 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 BKID0008005 and your account number.
Verifying IFSC BKID0008005 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 BKID0008005 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-4428130201.
- 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 Royapettah branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0008005, however, work 24x7.
Branch address & contact
Bank of IndiaRoyapettah Branch
DOOR 240 OLD 130 ROYAPETTAH HIGH ROADROYAPETTAH
Chennai, Tamil Nadu
Phone: 44-4428130201
IFSC: BKID0008005
Frequently asked questions
Is IFSC BKID0008005 the same for all accounts at Royapettah branch?
Yes. The IFSC BKID0008005 is shared by every account held at Bank of India's Royapettah branch. Only the account number changes from customer to customer.
Can I use IFSC BKID0008005 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0008005 to send funds instantly.
What is the phone number of Bank of India Royapettah branch?
You can reach the branch at 44-4428130201 during regular banking hours.
Does Bank of India Royapettah branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-4428130201 to confirm.
What is the IFSC code of Bank of India Royapettah branch?
The IFSC code of Bank of India, Royapettah branch is BKID0008005. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Bank of India Royapettah branch located?
Bank of India's Royapettah branch is located at DOOR 240 OLD 130 ROYAPETTAH HIGH ROADROYAPETTAH, Chennai, Tamil Nadu.
Summary
The IFSC code BKID0008005 belongs to Bank of India's ROYAPETTAH branch, located at DOOR 240 OLD 130 ROYAPETTAH HIGH ROADROYAPETTAH in CHENNAI, TAMIL NADU. 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.
