IFSC Code of Bank of India, Haveli Kharagpur Branch, Bihar

Below are the complete branch details for Bank of India, HAVELI KHARAGPUR branch, located in HAVELI KHARAGPUR DISTMUNGER, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is BKID0004646. 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 BKID0004646 for Bank of India – HAVELI KHARAGPUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Bank of India – HAVELI KHARAGPUR is BKID0004646. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004646 map to this branch in HAVELI KHARAGPUR DISTMUNGER, BIHAR.

Branch details at a glance

About Bank of India

Bank of India operates a wide network of branches across India, including the Haveli Kharagpur branch in Haveli Kharagpur Distmunger. 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, BKID0004646.

About this branch

The branch is located at MANICK CHOWK THANA MOREHAVELI KHARAGPUR DIST MUNGER. It serves the Haveli Kharagpur Distmunger 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 BKID0004646 is used to identify this branch on the RBI payments network.

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 HAVELI KHARAGPUR of Bank of India — its own 11-character IFSC. The code BKID0004646 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 BKID0004646 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC BKID0004646

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 BKID0004646 across all three.

NEFT to Bank of India, HAVELI KHARAGPUR using IFSC BKID0004646

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 BKID0004646, and confirm that the system picks up Bank of India – HAVELI KHARAGPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to HAVELI KHARAGPUR

If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's HAVELI KHARAGPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004646 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Bank of India – HAVELI KHARAGPUR, use IMPS. With IFSC BKID0004646 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Haveli Kharagpur

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC BKID0004646:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at HAVELI KHARAGPUR is still linked to IFSC BKID0004646.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 HAVELI KHARAGPUR branch, the IFSC BKID0004646 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.

Account types you can open at the Haveli Kharagpur branch

Once you have an account at Bank of India – HAVELI KHARAGPUR, the IFSC BKID0004646 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 Haveli Kharagpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6342-6342252944.

• 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 BKID0004646

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 BKID0004646 and the account number together uniquely identify the Haveli Kharagpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Haveli Kharagpur 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 BKID0004646 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.

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 – HAVELI KHARAGPUR:

• The IFSC is exactly BKID0004646 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 HAVELI KHARAGPUR 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 Haveli Kharagpur branch

The branch is located at MANICK CHOWK THANA MOREHAVELI KHARAGPUR DIST MUNGER, which puts it inside Haveli Kharagpur Distmunger, the broader Haveli Kharagpur Distmunger district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of India Haveli Kharagpur branch” — the verified location pin for IFSC BKID0004646 should appear at the top of the results.
2. Confirm the branch is open by calling 6342-6342252944 before stepping out, especially around public holidays.
3. 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 BKID0004646 and your account number.

Verifying IFSC BKID0004646 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 BKID0004646 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 6342-6342252944.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Haveli Kharagpur 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 BKID0004646 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BKID0004646 belongs to Bank of India's HAVELI KHARAGPUR branch, located at MANICK CHOWK THANA MOREHAVELI KHARAGPUR DIST MUNGER in HAVELI KHARAGPUR DISTMUNGER, BIHAR. 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.