Below are the complete branch details for Bank of India, HARICHANDANPUR branch, located in HARICHANDANPUR DIREICT KEONJHAR, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is BKID0005406. 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 BKID0005406 for Bank of India – HARICHANDANPUR — 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 HARICHANDANPUR branch, the IFSC BKID0005406 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 005406 identifies this particular branch.
About Bank of India
Bank of India operates a wide network of branches across India, including the Harichandanpur branch in Harichandanpur Direict Keonjhar. 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, BKID0005406.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Harichandanpur |
| IFSC Code | BKID0005406 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT POST HARICHANDANPURDIREICT KEONJHAR |
| City | Harichandanpur Direict Keonjhar |
| District | Harichandanpur Direict Keonjhar |
| State | Odisha |
| STD Code | 6733 |
| Phone | 6733224026 |
About this branch
The branch is located at AT POST HARICHANDANPURDIREICT KEONJHAR. It serves the Harichandanpur Direict Keonjhar 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 BKID0005406 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 HARICHANDANPUR branch came to be assigned the code BKID0005406.
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 BKID0005406, money simply cannot be routed to the HARICHANDANPUR branch electronically.
Account types you can open at the Harichandanpur branch
Once you have an account at Bank of India – HARICHANDANPUR, the IFSC BKID0005406 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Harichandanpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6733-6733224026.
- 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 BKID0005406
How to transfer money using IFSC BKID0005406
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 BKID0005406 across all three.
NEFT to Bank of India, HARICHANDANPUR using IFSC BKID0005406
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 BKID0005406, and confirm that the system picks up Bank of India – HARICHANDANPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0005406
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 – HARICHANDANPUR, ensure your bank's portal accepts IFSC BKID0005406 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – HARICHANDANPUR, use IMPS. With IFSC BKID0005406 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 BKID0005406 for Bank of India – HARICHANDANPUR, 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 – BKID0005406 | Yes – BKID0005406 | Yes – BKID0005406 |
For most retail customers crediting the Harichandanpur 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 HARICHANDANPUR branch, the IFSC BKID0005406 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 BKID0005406
Bank of India customers can register for net banking and the bank's official mobile app once their account at the HARICHANDANPUR 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 BKID0005406 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 BKID0005406 and the account number together uniquely identify the Harichandanpur 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 BKID0005406
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 – HARICHANDANPUR, 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:
BKID0005406. - 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 Harichandanpur branch sits at AT POST HARICHANDANPURDIREICT KEONJHAR. If you are travelling from outside Harichandanpur Direict Keonjhar, search for the branch on a maps application using the bank name and locality, or call 6733-6733224026 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 BKID0005406 and your account number.
Verifying IFSC BKID0005406 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 BKID0005406 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6733-6733224026.
- 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 Harichandanpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0005406, however, work 24x7.
Branch address & contact
Bank of IndiaHarichandanpur Branch
AT POST HARICHANDANPURDIREICT KEONJHAR
Harichandanpur Direict Keonjhar, Odisha
Phone: 6733-6733224026
IFSC: BKID0005406
Frequently asked questions
Is IFSC BKID0005406 the same for all accounts at Harichandanpur branch?
Yes. The IFSC BKID0005406 is shared by every account held at Bank of India's Harichandanpur branch. Only the account number changes from customer to customer.
What is the phone number of Bank of India Harichandanpur branch?
You can reach the branch at 6733-6733224026 during regular banking hours.
Can I use IFSC BKID0005406 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0005406 to send funds instantly.
What is the IFSC code of Bank of India Harichandanpur branch?
The IFSC code of Bank of India, Harichandanpur branch is BKID0005406. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Harichandanpur branch but serve different purposes.
How quickly will an NEFT transfer using BKID0005406 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Harichandanpur reflect within 30 minutes.
Where is Bank of India Harichandanpur branch located?
Bank of India's Harichandanpur branch is located at AT POST HARICHANDANPURDIREICT KEONJHAR, Harichandanpur Direict Keonjhar, Odisha.
Summary
The IFSC code BKID0005406 belongs to Bank of India's HARICHANDANPUR branch, located at AT POST HARICHANDANPURDIREICT KEONJHAR in HARICHANDANPUR DIREICT KEONJHAR, ODISHA. 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.
