IFSC Code of Bank of India, Ernakulam Service Branch Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, ERNAKULAM SERVICE BRANCH branch in COCHIN. The 11-digit IFSC BKID0008585 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 ERNAKULAM SERVICE 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Bank of India – ERNAKULAM SERVICE BRANCH is BKID0008585. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 008585 map to this branch in COCHIN, KERALA.

Bank profile

Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Ernakulam Service Branch branch — IFSC BKID0008585 — extends the bank's services to customers in and around Cochin, Kerala.

Branch details at a glance

About the Ernakulam Service Branch branch

The Ernakulam Service Branch branch of Bank of India is situated at 2 ND FLOORCOLLIS ESTATEMG ROAD RAVIPURAM ERNAKULAM 682016. 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 BKID0008585 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 ERNAKULAM SERVICE BRANCH branch came to be assigned the code BKID0008585.

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 BKID0008585, money simply cannot be routed to the ERNAKULAM SERVICE BRANCH branch electronically.

Products and account variants supported

Every account opened at the Ernakulam Service Branch branch is mapped to IFSC BKID0008585 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 BKID0008585.

Products and services

Customers walking into the Ernakulam Service Branch 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 BKID0008585

How to transfer money using IFSC BKID0008585

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 BKID0008585 across all three.

NEFT to Bank of India, ERNAKULAM SERVICE BRANCH using IFSC BKID0008585

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 BKID0008585, and confirm that the system picks up Bank of India – ERNAKULAM SERVICE 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 ERNAKULAM SERVICE BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's ERNAKULAM SERVICE BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0008585 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 – ERNAKULAM SERVICE BRANCH, use IMPS. With IFSC BKID0008585 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 BKID0008585 for Bank of India – ERNAKULAM SERVICE BRANCH, 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.

For most retail customers crediting the Ernakulam Service Branch 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 ERNAKULAM SERVICE BRANCH branch, the IFSC BKID0008585 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 Ernakulam Service 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 BKID0008585 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 BKID0008585 and the account number together uniquely identify the Ernakulam Service Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – ERNAKULAM SERVICE BRANCH:

• The IFSC is exactly BKID0008585 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 ERNAKULAM SERVICE BRANCH 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 Ernakulam Service Branch branch sits at 2 ND FLOORCOLLIS ESTATEMG ROAD RAVIPURAM ERNAKULAM 682016. If you are travelling from outside Cochin, search for the branch on a maps application using the bank name and locality, or call 484-4842372225 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 BKID0008585 and your account number.

Verifying IFSC BKID0008585 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 BKID0008585 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 484-4842372225.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ernakulam Service Branch 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 BKID0008585 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: BKID0008585 is the IFSC code of Bank of India, ERNAKULAM SERVICE BRANCH branch, in COCHIN, KERALA. 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.