Use this page as a one-stop reference for everything related to Bank of India's WADSA branch in GADCHIROLI, MAHARASHTRA. The branch's IFSC code BKID0009647 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 WADSA branch, the IFSC BKID0009647 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 009647 identifies this particular branch.
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Wadsa branch in Gadchiroli, Maharashtra is part of this network and uses the IFSC code BKID0009647 for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Wadsa |
| IFSC Code | BKID0009647 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MOTWANI COMPLEXGADCHIROLI ROADWADSA DESAIGANJ |
| City | Gadchiroli |
| District | Gadchiroli |
| State | Maharashtra |
| STD Code | 7137 |
| Phone | 7137272257 |
Wadsa branch overview
Located at MOTWANI COMPLEXGADCHIROLI ROADWADSA DESAIGANJ, the Wadsa branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0009647 is required for all interbank electronic transfers routed through this branch.
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 WADSA branch came to be assigned the code BKID0009647.
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 BKID0009647, money simply cannot be routed to the WADSA branch electronically.
Account types you can open at the Wadsa branch
Once you have an account at Bank of India – WADSA, the IFSC BKID0009647 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.
Banking services available
The Wadsa branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7137-7137272257.
- 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 BKID0009647
How to transfer money using IFSC BKID0009647
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 BKID0009647 across all three.
How to use IFSC BKID0009647 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's WADSA 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 BKID0009647.
- Confirm the bank name auto-populates as Bank of India and the branch as WADSA.
- 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 WADSA
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's WADSA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0009647 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India WADSA (IFSC BKID0009647)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0009647 in your mobile or internet banking app, and the money is credited to the WADSA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0009647 for Bank of India – WADSA, 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 – BKID0009647 | Yes – BKID0009647 | Yes – BKID0009647 |
For most retail customers crediting the Wadsa 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 WADSA branch, the IFSC BKID0009647 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 BKID0009647
Bank of India customers can register for net banking and the bank's official mobile app once their account at the WADSA 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 BKID0009647 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 BKID0009647 and the account number together uniquely identify the Wadsa 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 – WADSA:
- The IFSC is exactly BKID0009647 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 WADSA 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 Wadsa branch
The branch is located at MOTWANI COMPLEXGADCHIROLI ROADWADSA DESAIGANJ, which puts it inside Gadchiroli, the broader Gadchiroli district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Wadsa branch” — the verified location pin for IFSC BKID0009647 should appear at the top of the results.
- Confirm the branch is open by calling 7137-7137272257 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 BKID0009647 and your account number.
Verifying IFSC BKID0009647 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 BKID0009647 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 7137-7137272257.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Wadsa 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 BKID0009647 continue to work without interruption.
Branch address & contact
Bank of IndiaWadsa Branch
MOTWANI COMPLEXGADCHIROLI ROADWADSA DESAIGANJ
Gadchiroli, Maharashtra
Phone: 7137-7137272257
IFSC: BKID0009647
Frequently asked questions
Is IFSC BKID0009647 the same for all accounts at Wadsa branch?
Yes. The IFSC BKID0009647 is shared by every account held at Bank of India's Wadsa branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using BKID0009647 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Wadsa 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 Wadsa branch but serve different purposes.
Is IFSC BKID0009647 valid for NEFT and RTGS?
Yes. IFSC BKID0009647 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Bank of India Wadsa as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0009647, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Bank of India Wadsa branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 7137-7137272257 to confirm.
Can I use IFSC BKID0009647 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0009647 to send funds instantly.
Final notes
To recap: BKID0009647 is the IFSC code of Bank of India, WADSA branch, in GADCHIROLI, MAHARASHTRA. 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.
