If you are searching for the IFSC code of Bank of India, GHAZIABAD branch in GHAZIABAD, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is BKID0007100. 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 GHAZIABAD branch, and detailed step-by-step guides for using the IFSC BKID0007100 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.
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 GHAZIABAD branch, the IFSC BKID0007100 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 007100 identifies this particular branch.
About Bank of India
Bank of India operates a wide network of branches across India, including the Ghaziabad branch in Ghaziabad. 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, BKID0007100.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Ghaziabad |
| IFSC Code | BKID0007100 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 59 60 GRAND TRUNK ROADGHAZIABAD |
| City | Ghaziabad |
| District | Ghaziabad |
| State | Uttar Pradesh |
| STD Code | 120 |
| Phone | 1202851728 |
Ghaziabad branch overview
Located at 59 60 GRAND TRUNK ROADGHAZIABAD, the Ghaziabad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0007100 is required for all interbank electronic transfers routed through this branch.
Why every Bank of India branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including GHAZIABAD of Bank of India — its own 11-character IFSC. The code BKID0007100 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC BKID0007100 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Ghaziabad branch is mapped to IFSC BKID0007100 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 BKID0007100.
Products and services
Customers walking into the Ghaziabad 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 BKID0007100
How to transfer money using IFSC BKID0007100
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 BKID0007100 across all three.
How to use IFSC BKID0007100 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's GHAZIABAD 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 BKID0007100.
- Confirm the bank name auto-populates as Bank of India and the branch as GHAZIABAD.
- 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 GHAZIABAD
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's GHAZIABAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0007100 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India GHAZIABAD (IFSC BKID0007100)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0007100 in your mobile or internet banking app, and the money is credited to the GHAZIABAD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0007100 for Bank of India – GHAZIABAD, 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 – BKID0007100 | Yes – BKID0007100 | Yes – BKID0007100 |
For most retail customers crediting the Ghaziabad 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 GHAZIABAD branch, the IFSC BKID0007100 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 BKID0007100
Bank of India customers can register for net banking and the bank's official mobile app once their account at the GHAZIABAD 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 BKID0007100 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 BKID0007100 and the account number together uniquely identify the Ghaziabad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC BKID0007100
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Bank of India – GHAZIABAD, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
BKID0007100. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Ghaziabad branch sits at 59 60 GRAND TRUNK ROADGHAZIABAD. If you are travelling from outside Ghaziabad, search for the branch on a maps application using the bank name and locality, or call 120-1202851728 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 BKID0007100 and your account number.
Verifying IFSC BKID0007100 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 BKID0007100 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 120-1202851728.
- 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 Ghaziabad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0007100, however, work 24x7.
Branch address & contact
Bank of IndiaGhaziabad Branch
59 60 GRAND TRUNK ROADGHAZIABAD
Ghaziabad, Uttar Pradesh
Phone: 120-1202851728
IFSC: BKID0007100
Frequently asked questions
How do I add Bank of India Ghaziabad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0007100, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Bank of India Ghaziabad branch?
You can reach the branch at 120-1202851728 during regular banking hours.
Is IFSC BKID0007100 the same for all accounts at Ghaziabad branch?
Yes. The IFSC BKID0007100 is shared by every account held at Bank of India's Ghaziabad branch. Only the account number changes from customer to customer.
Is IFSC BKID0007100 valid for NEFT and RTGS?
Yes. IFSC BKID0007100 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Bank of India Ghaziabad branch located?
Bank of India's Ghaziabad branch is located at 59 60 GRAND TRUNK ROADGHAZIABAD, Ghaziabad, Uttar Pradesh.
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 Ghaziabad branch but serve different purposes.
Does Bank of India Ghaziabad branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 120-1202851728 to confirm.
Summary
The IFSC code BKID0007100 belongs to Bank of India's GHAZIABAD branch, located at 59 60 GRAND TRUNK ROADGHAZIABAD in GHAZIABAD, UTTAR PRADESH. 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.
