IFSC Code of Bank of India, Kaliyaganj Branch, West Bengal

Below are the complete branch details for Bank of India, KALIYAGANJ branch, located in DINAJPUR WB, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is BKID0004360. 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 BKID0004360 for Bank of India – KALIYAGANJ — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – KALIYAGANJ is BKID0004360. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004360 map to this branch in DINAJPUR WB, WEST BENGAL.

Branch details at a glance

About the bank

Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kaliyaganj branch in Dinajpur Wb, West Bengal is part of this network and uses the IFSC code BKID0004360 for all electronic settlement.

About the Kaliyaganj branch

The Kaliyaganj branch of Bank of India is situated at NSROAD SUKANTA MORE WARD NO 15KALIYAGANJPO KALIYAGANJ DIST UTTAR DINAJP. 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 BKID0004360 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 KALIYAGANJ branch came to be assigned the code BKID0004360.

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 BKID0004360, money simply cannot be routed to the KALIYAGANJ branch electronically.

How to transfer money using IFSC BKID0004360

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 BKID0004360 across all three.

How to use IFSC BKID0004360 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's KALIYAGANJ 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC BKID0004360.
4. Confirm the bank name auto-populates as Bank of India and the branch as KALIYAGANJ.
5. 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 KALIYAGANJ

If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's KALIYAGANJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004360 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 – KALIYAGANJ, use IMPS. With IFSC BKID0004360 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 BKID0004360 for Bank of India – KALIYAGANJ, 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 Kaliyaganj 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 BKID0004360

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 – KALIYAGANJ is still mapped to IFSC BKID0004360. 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 BKID0004360 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kaliyaganj branch is mapped to IFSC BKID0004360 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 BKID0004360.

Banking services available

The Kaliyaganj branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9638576274.

• 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 BKID0004360

MICR & cheque-truncation details

Cheques drawn on the Kaliyaganj branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0004360 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 Kaliyaganj 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 BKID0004360 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 – KALIYAGANJ:

• The IFSC is exactly BKID0004360 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 KALIYAGANJ 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 Kaliyaganj branch

The branch is located at NSROAD SUKANTA MORE WARD NO 15KALIYAGANJPO KALIYAGANJ DIST UTTAR DINAJP, which puts it inside Dinajpur Wb, the broader Dinajpur Wb district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of India Kaliyaganj branch” — the verified location pin for IFSC BKID0004360 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9638576274 before stepping out, especially around public holidays.
3. 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 BKID0004360 and your account number.

Verifying IFSC BKID0004360 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 BKID0004360 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9638576274.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kaliyaganj 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 BKID0004360 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BKID0004360 belongs to Bank of India's KALIYAGANJ branch, located at NSROAD SUKANTA MORE WARD NO 15KALIYAGANJPO KALIYAGANJ DIST UTTAR DINAJP in DINAJPUR WB, WEST BENGAL. 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.