Below are the complete branch details for Bank of India, CHAULIAGANJ branch, located in CUTTACK, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is BKID0005135. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case BKID0005135 for Bank of India – CHAULIAGANJ — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, BKID0005135 is the IFSC of Bank of India's CHAULIAGANJ branch. The format is fixed: BKID = bank code, 0 = reserved, 005135 = branch identifier.
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chauliaganj branch in Cuttack, Odisha is part of this network and uses the IFSC code BKID0005135 for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Chauliaganj |
| IFSC Code | BKID0005135 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PLOT NO 675 2989 SREE KHETRA MANDAP CHAULIAGANJ CUTTACK ODISHA 753004 |
| City | Cuttack |
| District | Cuttack |
| State | Odisha |
| STD Code | 91 |
| Phone | 7283233092 |
About this branch
The branch is located at PLOT NO 675 2989 SREE KHETRA MANDAP CHAULIAGANJ CUTTACK ODISHA 753004. It serves the Cuttack 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 BKID0005135 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 CHAULIAGANJ branch came to be assigned the code BKID0005135.
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 BKID0005135, money simply cannot be routed to the CHAULIAGANJ branch electronically.
Account types you can open at the Chauliaganj branch
Once you have an account at Bank of India – CHAULIAGANJ, the IFSC BKID0005135 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 Chauliaganj 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 BKID0005135
How to transfer money using IFSC BKID0005135
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 BKID0005135 across all three.
NEFT to Bank of India, CHAULIAGANJ using IFSC BKID0005135
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 BKID0005135, and confirm that the system picks up Bank of India – CHAULIAGANJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CHAULIAGANJ
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's CHAULIAGANJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0005135 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 – CHAULIAGANJ, use IMPS. With IFSC BKID0005135 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 BKID0005135 for Bank of India – CHAULIAGANJ, 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 – BKID0005135 | Yes – BKID0005135 | Yes – BKID0005135 |
For most retail customers crediting the Chauliaganj 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 BKID0005135
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 – CHAULIAGANJ is still mapped to IFSC BKID0005135. 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 BKID0005135 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Chauliaganj 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 BKID0005135 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 BKID0005135 and the account number together uniquely identify the Chauliaganj 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 – CHAULIAGANJ:
- The IFSC is exactly BKID0005135 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 CHAULIAGANJ 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.
How to reach the Chauliaganj branch
The branch is located at PLOT NO 675 2989 SREE KHETRA MANDAP CHAULIAGANJ CUTTACK ODISHA 753004, which puts it inside Cuttack, the broader Cuttack district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Chauliaganj branch” — the verified location pin for IFSC BKID0005135 should appear at the top of the results.
- Confirm the branch is open by calling 91-7283233092 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 BKID0005135 and your account number.
Verifying IFSC BKID0005135 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 BKID0005135 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7283233092.
- 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 Chauliaganj branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0005135, however, work 24x7.
Branch address & contact
Bank of IndiaChauliaganj Branch
PLOT NO 675 2989 SREE KHETRA MANDAP CHAULIAGANJ CUTTACK ODISHA 753004
Cuttack, Odisha
Phone: 91-7283233092
IFSC: BKID0005135
Frequently asked questions
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 Chauliaganj branch but serve different purposes.
Is IFSC BKID0005135 the same for all accounts at Chauliaganj branch?
Yes. The IFSC BKID0005135 is shared by every account held at Bank of India's Chauliaganj branch. Only the account number changes from customer to customer.
Is IFSC BKID0005135 valid for NEFT and RTGS?
Yes. IFSC BKID0005135 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Bank of India Chauliaganj branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7283233092 to confirm.
Where is Bank of India Chauliaganj branch located?
Bank of India's Chauliaganj branch is located at PLOT NO 675 2989 SREE KHETRA MANDAP CHAULIAGANJ CUTTACK ODISHA 753004, Cuttack, Odisha.
How quickly will an NEFT transfer using BKID0005135 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Chauliaganj reflect within 30 minutes.
Final notes
To recap: BKID0005135 is the IFSC code of Bank of India, CHAULIAGANJ branch, in CUTTACK, ODISHA. 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.
