Below are the complete branch details for Bank of India, MPGB MM HARDA branch, located in HARDA, MADHYA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is BKID0MG1010. 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 BKID0MG1010 for Bank of India – MPGB MM HARDA — 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 MPGB MM HARDA branch, the IFSC BKID0MG1010 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and MG1010 identifies this particular branch.
About Bank of India
Bank of India operates a wide network of branches across India, including the Mpgb Mm Harda branch in Harda. 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, BKID0MG1010.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Mpgb Mm Harda |
| IFSC Code | BKID0MG1010 |
| MICR Code | Refer to cheque leaf |
| Branch Address | POSTTEHSIL HARDA DIST HARDA 461331 |
| City | Harda |
| District | Harda |
| State | Madhya Pradesh |
| STD Code | 91 |
| Phone | 8226010130 |
Mpgb Mm Harda branch overview
Located at POSTTEHSIL HARDA DIST HARDA 461331, the Mpgb Mm Harda branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0MG1010 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 MPGB MM HARDA branch came to be assigned the code BKID0MG1010.
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 BKID0MG1010, money simply cannot be routed to the MPGB MM HARDA branch electronically.
Products and account variants supported
Every account opened at the Mpgb Mm Harda branch is mapped to IFSC BKID0MG1010 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 BKID0MG1010.
Products and services
Customers walking into the Mpgb Mm Harda 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 BKID0MG1010
How to transfer money using IFSC BKID0MG1010
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 BKID0MG1010 across all three.
NEFT to Bank of India, MPGB MM HARDA using IFSC BKID0MG1010
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC BKID0MG1010, and confirm that the system picks up Bank of India – MPGB MM HARDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to MPGB MM HARDA
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's MPGB MM HARDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0MG1010 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India MPGB MM HARDA (IFSC BKID0MG1010)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0MG1010 in your mobile or internet banking app, and the money is credited to the MPGB MM HARDA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0MG1010 for Bank of India – MPGB MM HARDA, 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 – BKID0MG1010 | Yes – BKID0MG1010 | Yes – BKID0MG1010 |
For most retail customers crediting the Mpgb Mm Harda 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 MPGB MM HARDA branch, the IFSC BKID0MG1010 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 BKID0MG1010
Bank of India customers can register for net banking and the bank's official mobile app once their account at the MPGB MM HARDA 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 BKID0MG1010 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 & cheque-truncation details
Cheques drawn on the Mpgb Mm Harda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0MG1010 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC BKID0MG1010
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 – MPGB MM HARDA, 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:
BKID0MG1010. - 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 Mpgb Mm Harda branch sits at POSTTEHSIL HARDA DIST HARDA 461331. If you are travelling from outside Harda, search for the branch on a maps application using the bank name and locality, or call 91-8226010130 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 BKID0MG1010 and your account number.
Verifying IFSC BKID0MG1010 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 BKID0MG1010 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8226010130.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Mpgb Mm Harda 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 BKID0MG1010 continue to work without interruption.
Branch address & contact
Bank of IndiaMpgb Mm Harda Branch
POSTTEHSIL HARDA DIST HARDA 461331
Harda, Madhya Pradesh
Phone: 91-8226010130
IFSC: BKID0MG1010
Frequently asked questions
What is the IFSC code of Bank of India Mpgb Mm Harda branch?
The IFSC code of Bank of India, Mpgb Mm Harda branch is BKID0MG1010. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Bank of India Mpgb Mm Harda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0MG1010, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Bank of India Mpgb Mm Harda branch?
You can reach the branch at 91-8226010130 during regular banking hours.
Can I use IFSC BKID0MG1010 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0MG1010 to send funds instantly.
Does Bank of India Mpgb Mm Harda branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8226010130 to confirm.
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 Mpgb Mm Harda branch but serve different purposes.
Summary
The IFSC code BKID0MG1010 belongs to Bank of India's MPGB MM HARDA branch, located at POSTTEHSIL HARDA DIST HARDA 461331 in HARDA, MADHYA 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.
