This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, SANTHOME branch in CHENNAI. The 11-digit IFSC BKID0008016 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 SANTHOME 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 SANTHOME branch, the IFSC BKID0008016 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 008016 identifies this particular branch.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Santhome |
| IFSC Code | BKID0008016 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 11OLD NO7 ROSARY CHURCH STREETSANTHOME CHENNAI 600 004 |
| City | Chennai |
| District | Chennai |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 4424616829 |
About Bank of India
Bank of India operates a wide network of branches across India, including the Santhome 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, BKID0008016.
About this branch
The branch is located at 11OLD NO7 ROSARY CHURCH STREETSANTHOME CHENNAI 600 004. It serves the Chennai region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Bank of India. The IFSC BKID0008016 is used to identify this branch on the RBI payments network.
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 SANTHOME branch came to be assigned the code BKID0008016.
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 BKID0008016, money simply cannot be routed to the SANTHOME branch electronically.
How to transfer money using IFSC BKID0008016
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 BKID0008016 across all three.
How to use IFSC BKID0008016 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's SANTHOME 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 BKID0008016.
- Confirm the bank name auto-populates as Bank of India and the branch as SANTHOME.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to SANTHOME
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's SANTHOME branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0008016 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India SANTHOME (IFSC BKID0008016)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0008016 in your mobile or internet banking app, and the money is credited to the SANTHOME branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0008016 for Bank of India – SANTHOME, 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 – BKID0008016 | Yes – BKID0008016 | Yes – BKID0008016 |
For most retail customers crediting the Santhome 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 SANTHOME branch, the IFSC BKID0008016 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.
Products and account variants supported
Every account opened at the Santhome branch is mapped to IFSC BKID0008016 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 BKID0008016.
Banking services available
The Santhome branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-4424616829.
- 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 BKID0008016
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 BKID0008016 and the account number together uniquely identify the Santhome branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC BKID0008016
Bank of India customers can register for net banking and the bank's official mobile app once their account at the SANTHOME 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 BKID0008016 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.
Common mistakes to avoid when using IFSC BKID0008016
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 – SANTHOME, 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:
BKID0008016. - 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 Santhome branch
The branch is located at 11OLD NO7 ROSARY CHURCH STREETSANTHOME CHENNAI 600 004, 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 Santhome branch” — the verified location pin for IFSC BKID0008016 should appear at the top of the results.
- Confirm the branch is open by calling 44-4424616829 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 BKID0008016 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0008016 for Bank of India – SANTHOME, 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 Santhome branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0008016, however, work 24x7.
Branch address & contact
Bank of IndiaSanthome Branch
11OLD NO7 ROSARY CHURCH STREETSANTHOME CHENNAI 600 004
Chennai, Tamil Nadu
Phone: 44-4424616829
IFSC: BKID0008016
Frequently asked questions
How quickly will an NEFT transfer using BKID0008016 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Santhome reflect within 30 minutes.
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 Santhome branch but serve different purposes.
What is the IFSC code of Bank of India Santhome branch?
The IFSC code of Bank of India, Santhome branch is BKID0008016. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Bank of India Santhome branch located?
Bank of India's Santhome branch is located at 11OLD NO7 ROSARY CHURCH STREETSANTHOME CHENNAI 600 004, Chennai, Tamil Nadu.
Is IFSC BKID0008016 the same for all accounts at Santhome branch?
Yes. The IFSC BKID0008016 is shared by every account held at Bank of India's Santhome branch. Only the account number changes from customer to customer.
What is the phone number of Bank of India Santhome branch?
You can reach the branch at 44-4424616829 during regular banking hours.
Can I use IFSC BKID0008016 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0008016 to send funds instantly.
Final notes
To recap: BKID0008016 is the IFSC code of Bank of India, SANTHOME 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.
