IFSC Code of Bank of India, Ldm Office Hazaribagh Branch, Jharkhand

Use this page as a one-stop reference for everything related to Bank of India's LDM OFFICE HAZARIBAGH branch in HAZARIBAGH, JHARKHAND. The branch's IFSC code BKID000L044 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 LDM OFFICE HAZARIBAGH branch, the IFSC BKID000L044 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 00L044 identifies this particular branch.

Branch details at a glance

About the bank

Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ldm Office Hazaribagh branch in Hazaribagh, Jharkhand is part of this network and uses the IFSC code BKID000L044 for all electronic settlement.

About the Ldm Office Hazaribagh branch

The Ldm Office Hazaribagh branch of Bank of India is situated at LDM OFFICE HAZARIBAG. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code BKID000L044 is used.

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 LDM OFFICE HAZARIBAGH of Bank of India — its own 11-character IFSC. The code BKID000L044 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 BKID000L044 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 BKID000L044

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 BKID000L044 across all three.

NEFT to Bank of India, LDM OFFICE HAZARIBAGH using IFSC BKID000L044

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 BKID000L044, and confirm that the system picks up Bank of India – LDM OFFICE HAZARIBAGH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LDM OFFICE HAZARIBAGH

If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's LDM OFFICE HAZARIBAGH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID000L044 while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of India LDM OFFICE HAZARIBAGH (IFSC BKID000L044)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID000L044 in your mobile or internet banking app, and the money is credited to the LDM OFFICE HAZARIBAGH branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC BKID000L044 for Bank of India – LDM OFFICE HAZARIBAGH, 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.

For most retail customers crediting the Ldm Office Hazaribagh 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 BKID000L044

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 – LDM OFFICE HAZARIBAGH is still mapped to IFSC BKID000L044. 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 BKID000L044 and the beneficiary's account number to complete the transfer.

Account types you can open at the Ldm Office Hazaribagh branch

Once you have an account at Bank of India – LDM OFFICE HAZARIBAGH, the IFSC BKID000L044 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 Ldm Office Hazaribagh branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8007982166.

• 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 BKID000L044

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 BKID000L044 and the account number together uniquely identify the Ldm Office Hazaribagh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC BKID000L044

Bank of India customers can register for net banking and the bank's official mobile app once their account at the LDM OFFICE HAZARIBAGH 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 BKID000L044 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 – LDM OFFICE HAZARIBAGH:

• The IFSC is exactly BKID000L044 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 LDM OFFICE HAZARIBAGH 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.

Reaching the branch

The Ldm Office Hazaribagh branch sits at LDM OFFICE HAZARIBAG. If you are travelling from outside Hazaribagh, search for the branch on a maps application using the bank name and locality, or call 91-8007982166 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 BKID000L044 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BKID000L044 for Bank of India – LDM OFFICE HAZARIBAGH, 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 Ldm Office Hazaribagh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID000L044, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BKID000L044 belongs to Bank of India's LDM OFFICE HAZARIBAGH branch, located at LDM OFFICE HAZARIBAG in HAZARIBAGH, JHARKHAND. 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.