This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, HOSHIARPUR branch in HOSHIARPUR. The 11-digit IFSC BKID0006528 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 HOSHIARPUR 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.
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 HOSHIARPUR branch, the IFSC BKID0006528 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 006528 identifies this particular branch.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Hoshiarpur |
| IFSC Code | BKID0006528 |
| MICR Code | Refer to cheque leaf |
| Branch Address | TEJ COMPLEX ROSHAN ROADHOSHIARPUR PUNJAB |
| City | Hoshiarpur |
| District | Hoshiarpur |
| State | Punjab |
| STD Code | 1882 |
| Phone | 1882224875 |
About Bank of India
Bank of India operates a wide network of branches across India, including the Hoshiarpur branch in Hoshiarpur. 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, BKID0006528.
Hoshiarpur branch overview
Located at TEJ COMPLEX ROSHAN ROADHOSHIARPUR PUNJAB, the Hoshiarpur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0006528 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 HOSHIARPUR branch came to be assigned the code BKID0006528.
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 BKID0006528, money simply cannot be routed to the HOSHIARPUR branch electronically.
How to transfer money using IFSC BKID0006528
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 BKID0006528 across all three.
NEFT to Bank of India, HOSHIARPUR using IFSC BKID0006528
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 BKID0006528, and confirm that the system picks up Bank of India – HOSHIARPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0006528
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 – HOSHIARPUR, ensure your bank's portal accepts IFSC BKID0006528 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of India HOSHIARPUR (IFSC BKID0006528)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0006528 in your mobile or internet banking app, and the money is credited to the HOSHIARPUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0006528 for Bank of India – HOSHIARPUR, 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 – BKID0006528 | Yes – BKID0006528 | Yes – BKID0006528 |
For most retail customers crediting the Hoshiarpur 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 BKID0006528
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 – HOSHIARPUR is still mapped to IFSC BKID0006528. 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 BKID0006528 and the beneficiary's account number to complete the transfer.
Account types you can open at the Hoshiarpur branch
Once you have an account at Bank of India – HOSHIARPUR, the IFSC BKID0006528 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 Hoshiarpur 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 BKID0006528
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 BKID0006528 and the account number together uniquely identify the Hoshiarpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC BKID0006528
Bank of India customers can register for net banking and the bank's official mobile app once their account at the HOSHIARPUR 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 BKID0006528 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.
Common mistakes to avoid when using IFSC BKID0006528
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 – HOSHIARPUR, 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:
BKID0006528. - 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 Hoshiarpur branch sits at TEJ COMPLEX ROSHAN ROADHOSHIARPUR PUNJAB. If you are travelling from outside Hoshiarpur, search for the branch on a maps application using the bank name and locality, or call 1882-1882224875 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 BKID0006528 and your account number.
Verifying IFSC BKID0006528 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 BKID0006528 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1882-1882224875.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Hoshiarpur 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 BKID0006528 continue to work without interruption.
Branch address & contact
Bank of IndiaHoshiarpur Branch
TEJ COMPLEX ROSHAN ROADHOSHIARPUR PUNJAB
Hoshiarpur, Punjab
Phone: 1882-1882224875
IFSC: BKID0006528
Frequently asked questions
Is IFSC BKID0006528 valid for NEFT and RTGS?
Yes. IFSC BKID0006528 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC BKID0006528 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0006528 to send funds instantly.
Is IFSC BKID0006528 the same for all accounts at Hoshiarpur branch?
Yes. The IFSC BKID0006528 is shared by every account held at Bank of India's Hoshiarpur branch. Only the account number changes from customer to customer.
How do I add Bank of India Hoshiarpur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0006528, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Hoshiarpur branch but serve different purposes.
Where is Bank of India Hoshiarpur branch located?
Bank of India's Hoshiarpur branch is located at TEJ COMPLEX ROSHAN ROADHOSHIARPUR PUNJAB, Hoshiarpur, Punjab.
Summary
The IFSC code BKID0006528 belongs to Bank of India's HOSHIARPUR branch, located at TEJ COMPLEX ROSHAN ROADHOSHIARPUR PUNJAB in HOSHIARPUR, PUNJAB. 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.
