Below are the complete branch details for Bank of India, GARI KALAN branch, located in GARI KALAN DIST HAZARIBAGH, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is BKID0004877. 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 BKID0004877 for Bank of India – GARI KALAN — 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, BKID0004877 is the IFSC of Bank of India's GARI KALAN branch. The format is fixed: BKID = bank code, 0 = reserved, 004877 = branch identifier.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Gari Kalan |
| IFSC Code | BKID0004877 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL P O GARI KALANVIA BARKAGAON |
| City | Gari Kalan Dist Hazaribagh |
| District | Gari Kalan Dist Hazaribagh |
| State | Jharkhand |
| STD Code | 6551 |
| Phone | 6551291120 |
About Bank of India
Bank of India operates a wide network of branches across India, including the Gari Kalan branch in Gari Kalan Dist Hazaribagh. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, BKID0004877.
About this branch
The branch is located at VILL P O GARI KALANVIA BARKAGAON. It serves the Gari Kalan Dist Hazaribagh 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 BKID0004877 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 GARI KALAN branch came to be assigned the code BKID0004877.
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 BKID0004877, money simply cannot be routed to the GARI KALAN branch electronically.
How to transfer money using IFSC BKID0004877
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 BKID0004877 across all three.
How to use IFSC BKID0004877 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's GARI KALAN 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 BKID0004877.
- Confirm the bank name auto-populates as Bank of India and the branch as GARI KALAN.
- 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 GARI KALAN
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's GARI KALAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004877 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 – GARI KALAN, use IMPS. With IFSC BKID0004877 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Gari Kalan
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC BKID0004877:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at GARI KALAN is still linked to IFSC BKID0004877.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
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 GARI KALAN branch, the IFSC BKID0004877 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.
Products and account variants supported
Every account opened at the Gari Kalan branch is mapped to IFSC BKID0004877 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 BKID0004877.
Products and services
Customers walking into the Gari Kalan 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 BKID0004877
MICR & cheque-truncation details
Cheques drawn on the Gari Kalan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0004877 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC BKID0004877
Bank of India customers can register for net banking and the bank's official mobile app once their account at the GARI KALAN 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 BKID0004877 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.
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 – GARI KALAN:
- The IFSC is exactly BKID0004877 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 GARI KALAN 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 Gari Kalan branch sits at VILL P O GARI KALANVIA BARKAGAON. If you are travelling from outside Gari Kalan Dist Hazaribagh, search for the branch on a maps application using the bank name and locality, or call 6551-6551291120 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 BKID0004877 and your account number.
Verifying IFSC BKID0004877 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 BKID0004877 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6551-6551291120.
- 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 Gari Kalan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0004877, however, work 24x7.
Branch address & contact
Bank of IndiaGari Kalan Branch
VILL P O GARI KALANVIA BARKAGAON
Gari Kalan Dist Hazaribagh, Jharkhand
Phone: 6551-6551291120
IFSC: BKID0004877
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 Gari Kalan branch but serve different purposes.
Can I use IFSC BKID0004877 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0004877 to send funds instantly.
How quickly will an NEFT transfer using BKID0004877 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Gari Kalan reflect within 30 minutes.
Is IFSC BKID0004877 valid for NEFT and RTGS?
Yes. IFSC BKID0004877 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC BKID0004877 the same for all accounts at Gari Kalan branch?
Yes. The IFSC BKID0004877 is shared by every account held at Bank of India's Gari Kalan branch. Only the account number changes from customer to customer.
What is the phone number of Bank of India Gari Kalan branch?
You can reach the branch at 6551-6551291120 during regular banking hours.
Where is Bank of India Gari Kalan branch located?
Bank of India's Gari Kalan branch is located at VILL P O GARI KALANVIA BARKAGAON, Gari Kalan Dist Hazaribagh, Jharkhand.
How do I add Bank of India Gari Kalan as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0004877, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code BKID0004877 belongs to Bank of India's GARI KALAN branch, located at VILL P O GARI KALANVIA BARKAGAON in GARI KALAN DIST HAZARIBAGH, 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.
