Below are the complete branch details for Bank of India, KOLDIHA branch, located in GIRIDIH, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is BKID0005254. 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 BKID0005254 for Bank of India – KOLDIHA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 KOLDIHA branch, the IFSC BKID0005254 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 005254 identifies this particular branch.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Koldiha |
| IFSC Code | BKID0005254 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GIRIDIH DUMRI ROAD AT PO KOLDIHA 815301 |
| City | Giridih |
| District | Giridih |
| State | Jharkhand |
| STD Code | 91 |
| Phone | 7283233095 |
Bank profile
Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Koldiha branch — IFSC BKID0005254 — extends the bank's services to customers in and around Giridih, Jharkhand.
About this branch
The branch is located at GIRIDIH DUMRI ROAD AT PO KOLDIHA 815301. It serves the Giridih 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 BKID0005254 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 KOLDIHA branch came to be assigned the code BKID0005254.
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 BKID0005254, money simply cannot be routed to the KOLDIHA branch electronically.
How to transfer money using IFSC BKID0005254
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 BKID0005254 across all three.
How to use IFSC BKID0005254 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's KOLDIHA 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 BKID0005254.
- Confirm the bank name auto-populates as Bank of India and the branch as KOLDIHA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BKID0005254
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 – KOLDIHA, ensure your bank's portal accepts IFSC BKID0005254 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – KOLDIHA, use IMPS. With IFSC BKID0005254 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 BKID0005254 for Bank of India – KOLDIHA, 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 – BKID0005254 | Yes – BKID0005254 | Yes – BKID0005254 |
For most retail customers crediting the Koldiha 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 KOLDIHA branch, the IFSC BKID0005254 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 Koldiha branch is mapped to IFSC BKID0005254 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 BKID0005254.
Banking services available
The Koldiha branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7283233095.
- 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 BKID0005254
MICR & cheque-truncation details
Cheques drawn on the Koldiha branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0005254 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC BKID0005254
Bank of India customers can register for net banking and the bank's official mobile app once their account at the KOLDIHA 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 BKID0005254 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 – KOLDIHA:
- The IFSC is exactly BKID0005254 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 KOLDIHA 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 Koldiha branch
The branch is located at GIRIDIH DUMRI ROAD AT PO KOLDIHA 815301, which puts it inside Giridih, the broader Giridih district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Koldiha branch” — the verified location pin for IFSC BKID0005254 should appear at the top of the results.
- Confirm the branch is open by calling 91-7283233095 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 BKID0005254 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0005254 for Bank of India – KOLDIHA, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
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 Koldiha branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0005254, however, work 24x7.
Branch address & contact
Bank of IndiaKoldiha Branch
GIRIDIH DUMRI ROAD AT PO KOLDIHA 815301
Giridih, Jharkhand
Phone: 91-7283233095
IFSC: BKID0005254
Frequently asked questions
Is IFSC BKID0005254 valid for NEFT and RTGS?
Yes. IFSC BKID0005254 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC BKID0005254 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0005254 to send funds instantly.
Is IFSC BKID0005254 the same for all accounts at Koldiha branch?
Yes. The IFSC BKID0005254 is shared by every account held at Bank of India's Koldiha branch. Only the account number changes from customer to customer.
What is the phone number of Bank of India Koldiha branch?
You can reach the branch at 91-7283233095 during regular banking hours.
How do I add Bank of India Koldiha as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0005254, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Bank of India Koldiha branch located?
Bank of India's Koldiha branch is located at GIRIDIH DUMRI ROAD AT PO KOLDIHA 815301, Giridih, Jharkhand.
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 Koldiha branch but serve different purposes.
Does Bank of India Koldiha branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7283233095 to confirm.
Final notes
To recap: BKID0005254 is the IFSC code of Bank of India, KOLDIHA branch, in GIRIDIH, JHARKHAND. 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.
