This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, GIDDALUR branch in GIDDALUR. The 11-digit IFSC BKID0005608 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Bank of India at the GIDDALUR location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, BKID0005608 is the IFSC of Bank of India's GIDDALUR branch. The format is fixed: BKID = bank code, 0 = reserved, 005608 = branch identifier.
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Giddalur branch in Giddalur, Andhra Pradesh is part of this network and uses the IFSC code BKID0005608 for all electronic settlement.
About this branch
The branch is located at DOOR NO 4 9 151 OLD BADWEL ROADGIDDALURPRAKASAM DIST ANDHRA PRADESH 523357. It serves the Giddalur 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 BKID0005608 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Giddalur |
| IFSC Code | BKID0005608 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DOOR NO 4 9 151 OLD BADWEL ROADGIDDALURPRAKASAM DIST ANDHRA PRADESH 523357 |
| City | Giddalur |
| District | Giddalur |
| State | Andhra Pradesh |
| STD Code | 91 |
| Phone | 8405242189 |
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 GIDDALUR branch came to be assigned the code BKID0005608.
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 BKID0005608, money simply cannot be routed to the GIDDALUR branch electronically.
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 BKID0005608 and the account number together uniquely identify the Giddalur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC BKID0005608
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 BKID0005608 across all three.
How to use IFSC BKID0005608 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's GIDDALUR 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 BKID0005608.
- Confirm the bank name auto-populates as Bank of India and the branch as GIDDALUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BKID0005608
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Bank of India – GIDDALUR, ensure your bank's portal accepts IFSC BKID0005608 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of India GIDDALUR (IFSC BKID0005608)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0005608 in your mobile or internet banking app, and the money is credited to the GIDDALUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0005608 for Bank of India – GIDDALUR, 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 – BKID0005608 | Yes – BKID0005608 | Yes – BKID0005608 |
For most retail customers crediting the Giddalur 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 BKID0005608
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 – GIDDALUR is still mapped to IFSC BKID0005608. 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 BKID0005608 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Giddalur branch is mapped to IFSC BKID0005608 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 BKID0005608.
Banking services available
The Giddalur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8405242189.
- 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 BKID0005608
Digital banking channels
Most day-to-day work that customers used to do at the Giddalur 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 BKID0005608 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.
How to reach the Giddalur branch
The branch is located at DOOR NO 4 9 151 OLD BADWEL ROADGIDDALURPRAKASAM DIST ANDHRA PRADESH 523357, which puts it inside Giddalur, the broader Giddalur district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Giddalur branch” — the verified location pin for IFSC BKID0005608 should appear at the top of the results.
- Confirm the branch is open by calling 91-8405242189 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 BKID0005608 and your account number.
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 – GIDDALUR:
- The IFSC is exactly BKID0005608 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 GIDDALUR 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.
Working hours
Branch counters at Giddalur 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 BKID0005608 continue to work without interruption.
Verifying IFSC BKID0005608 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 BKID0005608 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8405242189.
- Visiting the bank's official branch locator page.
Branch address & contact
Bank of IndiaGiddalur Branch
DOOR NO 4 9 151 OLD BADWEL ROADGIDDALURPRAKASAM DIST ANDHRA PRADESH 523357
Giddalur, Andhra Pradesh
Phone: 91-8405242189
IFSC: BKID0005608
Frequently asked questions
How do I add Bank of India Giddalur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0005608, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Bank of India Giddalur branch located?
Bank of India's Giddalur branch is located at DOOR NO 4 9 151 OLD BADWEL ROADGIDDALURPRAKASAM DIST ANDHRA PRADESH 523357, Giddalur, Andhra 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 Giddalur branch but serve different purposes.
Does Bank of India Giddalur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8405242189 to confirm.
Can I use IFSC BKID0005608 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0005608 to send funds instantly.
What is the IFSC code of Bank of India Giddalur branch?
The IFSC code of Bank of India, Giddalur branch is BKID0005608. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using BKID0005608 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Giddalur reflect within 30 minutes.
Final notes
To recap: BKID0005608 is the IFSC code of Bank of India, GIDDALUR branch, in GIDDALUR, ANDHRA PRADESH. 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.
