This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, HAYATGANJ branch in HAYATGANJ DIST HARDOI. The 11-digit IFSC BKID0007428 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 HAYATGANJ 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, BKID0007428 is the IFSC of Bank of India's HAYATGANJ branch. The format is fixed: BKID = bank code, 0 = reserved, 007428 = branch identifier.
About Bank of India
Bank of India operates a wide network of branches across India, including the Hayatganj branch in Hayatganj Dist Hardoi. 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, BKID0007428.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Hayatganj |
| IFSC Code | BKID0007428 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILLAGE PIPARGAON NEVADAPO PIPARGAON NEVADA DIST HARDOI |
| City | Hayatganj Dist Hardoi |
| District | Hayatganj Dist Hardoi |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 5854200122 |
About this branch
The branch is located at VILLAGE PIPARGAON NEVADAPO PIPARGAON NEVADA DIST HARDOI. It serves the Hayatganj Dist Hardoi 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 BKID0007428 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 HAYATGANJ of Bank of India — its own 11-character IFSC. The code BKID0007428 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 BKID0007428 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Hayatganj branch
Once you have an account at Bank of India – HAYATGANJ, the IFSC BKID0007428 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.
Products and services
Customers walking into the Hayatganj 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 BKID0007428
How to transfer money using IFSC BKID0007428
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 BKID0007428 across all three.
NEFT to Bank of India, HAYATGANJ using IFSC BKID0007428
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 BKID0007428, and confirm that the system picks up Bank of India – HAYATGANJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0007428
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 – HAYATGANJ, ensure your bank's portal accepts IFSC BKID0007428 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of India HAYATGANJ (IFSC BKID0007428)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0007428 in your mobile or internet banking app, and the money is credited to the HAYATGANJ branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0007428 for Bank of India – HAYATGANJ, 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 – BKID0007428 | Yes – BKID0007428 | Yes – BKID0007428 |
For most retail customers crediting the Hayatganj 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 BKID0007428
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 – HAYATGANJ is still mapped to IFSC BKID0007428. 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 BKID0007428 and the beneficiary's account number to complete the transfer.
Online banking and IFSC BKID0007428
Bank of India customers can register for net banking and the bank's official mobile app once their account at the HAYATGANJ 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 BKID0007428 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 BKID0007428 and the account number together uniquely identify the Hayatganj 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 BKID0007428
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 – HAYATGANJ, 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:
BKID0007428. - 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 Hayatganj branch sits at VILLAGE PIPARGAON NEVADAPO PIPARGAON NEVADA DIST HARDOI. If you are travelling from outside Hayatganj Dist Hardoi, search for the branch on a maps application using the bank name and locality, or call 91-5854200122 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 BKID0007428 and your account number.
Verifying IFSC BKID0007428 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 BKID0007428 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-5854200122.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Hayatganj 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 BKID0007428 continue to work without interruption.
Branch address & contact
Bank of IndiaHayatganj Branch
VILLAGE PIPARGAON NEVADAPO PIPARGAON NEVADA DIST HARDOI
Hayatganj Dist Hardoi, Uttar Pradesh
Phone: 91-5854200122
IFSC: BKID0007428
Frequently asked questions
What is the IFSC code of Bank of India Hayatganj branch?
The IFSC code of Bank of India, Hayatganj branch is BKID0007428. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC BKID0007428 valid for NEFT and RTGS?
Yes. IFSC BKID0007428 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Bank of India Hayatganj branch located?
Bank of India's Hayatganj branch is located at VILLAGE PIPARGAON NEVADAPO PIPARGAON NEVADA DIST HARDOI, Hayatganj Dist Hardoi, Uttar Pradesh.
How do I add Bank of India Hayatganj as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0007428, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC BKID0007428 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0007428 to send funds instantly.
What is the phone number of Bank of India Hayatganj branch?
You can reach the branch at 91-5854200122 during regular banking hours.
Is IFSC BKID0007428 the same for all accounts at Hayatganj branch?
Yes. The IFSC BKID0007428 is shared by every account held at Bank of India's Hayatganj branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using BKID0007428 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Hayatganj reflect within 30 minutes.
Final notes
To recap: BKID0007428 is the IFSC code of Bank of India, HAYATGANJ branch, in HAYATGANJ DIST HARDOI, UTTAR 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.
