If you are searching for the IFSC code of Bank of India, DALBHANGA branch in DALBHANGA DIST SERAIKELA KHARSAWAN, JHARKHAND, this page has every detail you need. The verified IFSC code for this branch is BKID0004535. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the DALBHANGA branch, and detailed step-by-step guides for using the IFSC BKID0004535 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, BKID0004535 is the IFSC of Bank of India's DALBHANGA branch. The format is fixed: BKID = bank code, 0 = reserved, 004535 = branch identifier.
Bank profile
Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Dalbhanga branch — IFSC BKID0004535 — extends the bank's services to customers in and around Dalbhanga Dist Seraikela Kharsawan, Jharkhand.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Dalbhanga |
| IFSC Code | BKID0004535 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT PO DALBHANGAVIA KUCHAI DISTSERAIKELA KHARSAWAN |
| City | Dalbhanga Dist Seraikela Kharsawan |
| District | Dalbhanga Dist Seraikela Kharsawan |
| State | Jharkhand |
| STD Code | 91 |
| Phone | 9905524611 |
About the Dalbhanga branch
The Dalbhanga branch of Bank of India is situated at AT PO DALBHANGAVIA KUCHAI DISTSERAIKELA KHARSAWAN. 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 BKID0004535 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 DALBHANGA branch came to be assigned the code BKID0004535.
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 BKID0004535, money simply cannot be routed to the DALBHANGA branch electronically.
Account types you can open at the Dalbhanga branch
Once you have an account at Bank of India – DALBHANGA, the IFSC BKID0004535 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 Dalbhanga 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 BKID0004535
How to transfer money using IFSC BKID0004535
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 BKID0004535 across all three.
NEFT to Bank of India, DALBHANGA using IFSC BKID0004535
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 BKID0004535, and confirm that the system picks up Bank of India – DALBHANGA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to DALBHANGA
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's DALBHANGA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004535 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 – DALBHANGA, use IMPS. With IFSC BKID0004535 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 BKID0004535 for Bank of India – DALBHANGA, 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 – BKID0004535 | Yes – BKID0004535 | Yes – BKID0004535 |
For most retail customers crediting the Dalbhanga 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 DALBHANGA branch, the IFSC BKID0004535 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 BKID0004535
Bank of India customers can register for net banking and the bank's official mobile app once their account at the DALBHANGA 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 BKID0004535 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 BKID0004535 and the account number together uniquely identify the Dalbhanga 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 – DALBHANGA:
- The IFSC is exactly BKID0004535 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 DALBHANGA 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 Dalbhanga branch
The branch is located at AT PO DALBHANGAVIA KUCHAI DISTSERAIKELA KHARSAWAN, which puts it inside Dalbhanga Dist Seraikela Kharsawan, the broader Dalbhanga Dist Seraikela Kharsawan district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Dalbhanga branch” — the verified location pin for IFSC BKID0004535 should appear at the top of the results.
- Confirm the branch is open by calling 91-9905524611 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 BKID0004535 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0004535 for Bank of India – DALBHANGA, 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 Dalbhanga branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0004535, however, work 24x7.
Branch address & contact
Bank of IndiaDalbhanga Branch
AT PO DALBHANGAVIA KUCHAI DISTSERAIKELA KHARSAWAN
Dalbhanga Dist Seraikela Kharsawan, Jharkhand
Phone: 91-9905524611
IFSC: BKID0004535
Frequently asked questions
How do I add Bank of India Dalbhanga as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0004535, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Bank of India Dalbhanga branch located?
Bank of India's Dalbhanga branch is located at AT PO DALBHANGAVIA KUCHAI DISTSERAIKELA KHARSAWAN, Dalbhanga Dist Seraikela Kharsawan, Jharkhand.
What is the IFSC code of Bank of India Dalbhanga branch?
The IFSC code of Bank of India, Dalbhanga branch is BKID0004535. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Dalbhanga branch but serve different purposes.
Is IFSC BKID0004535 valid for NEFT and RTGS?
Yes. IFSC BKID0004535 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC BKID0004535 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0004535 to send funds instantly.
Is IFSC BKID0004535 the same for all accounts at Dalbhanga branch?
Yes. The IFSC BKID0004535 is shared by every account held at Bank of India's Dalbhanga branch. Only the account number changes from customer to customer.
What is the phone number of Bank of India Dalbhanga branch?
You can reach the branch at 91-9905524611 during regular banking hours.
Summary
The IFSC code BKID0004535 belongs to Bank of India's DALBHANGA branch, located at AT PO DALBHANGAVIA KUCHAI DISTSERAIKELA KHARSAWAN in DALBHANGA DIST SERAIKELA KHARSAWAN, JHARKHAND. 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.
