Below are the complete branch details for Bank of India, HOWRAH RETAIL HUB branch, located in HOWRAH, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is BKID0004082. 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 BKID0004082 for Bank of India – HOWRAH RETAIL HUB — 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 – HOWRAH RETAIL HUB is BKID0004082. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004082 map to this branch in HOWRAH, WEST BENGAL.
About Bank of India
Bank of India operates a wide network of branches across India, including the Howrah Retail Hub branch in Howrah. 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, BKID0004082.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Howrah Retail Hub |
| IFSC Code | BKID0004082 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 43 G T ROAD SOUTHHOWRAH |
| City | Howrah |
| District | Howrah |
| State | West Bengal |
| STD Code | 33 |
| Phone | 3323673340 |
About the Howrah Retail Hub branch
The Howrah Retail Hub branch of Bank of India is situated at 43 G T ROAD SOUTHHOWRAH. 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 BKID0004082 is used.
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 HOWRAH RETAIL HUB branch came to be assigned the code BKID0004082.
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 BKID0004082, money simply cannot be routed to the HOWRAH RETAIL HUB branch electronically.
Account types you can open at the Howrah Retail Hub branch
Once you have an account at Bank of India – HOWRAH RETAIL HUB, the IFSC BKID0004082 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 Howrah Retail Hub branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-3323673340.
- 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 BKID0004082
How to transfer money using IFSC BKID0004082
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 BKID0004082 across all three.
How to use IFSC BKID0004082 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's HOWRAH RETAIL HUB branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC BKID0004082.
- Confirm the bank name auto-populates as Bank of India and the branch as HOWRAH RETAIL HUB.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BKID0004082
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 – HOWRAH RETAIL HUB, ensure your bank's portal accepts IFSC BKID0004082 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of India HOWRAH RETAIL HUB (IFSC BKID0004082)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0004082 in your mobile or internet banking app, and the money is credited to the HOWRAH RETAIL HUB branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0004082 for Bank of India – HOWRAH RETAIL HUB, 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 – BKID0004082 | Yes – BKID0004082 | Yes – BKID0004082 |
For most retail customers crediting the Howrah Retail Hub 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 BKID0004082
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 – HOWRAH RETAIL HUB is still mapped to IFSC BKID0004082. 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 BKID0004082 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Howrah Retail Hub 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 BKID0004082 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.
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 BKID0004082 and the account number together uniquely identify the Howrah Retail Hub 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 BKID0004082
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 – HOWRAH RETAIL HUB, 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:
BKID0004082. - 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 Howrah Retail Hub branch sits at 43 G T ROAD SOUTHHOWRAH. If you are travelling from outside Howrah, search for the branch on a maps application using the bank name and locality, or call 33-3323673340 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 BKID0004082 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0004082 for Bank of India – HOWRAH RETAIL HUB, 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.
Working hours
Branch counters at Howrah Retail Hub 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 BKID0004082 continue to work without interruption.
Branch address & contact
Bank of IndiaHowrah Retail Hub Branch
43 G T ROAD SOUTHHOWRAH
Howrah, West Bengal
Phone: 33-3323673340
IFSC: BKID0004082
Frequently asked questions
Is IFSC BKID0004082 the same for all accounts at Howrah Retail Hub branch?
Yes. The IFSC BKID0004082 is shared by every account held at Bank of India's Howrah Retail Hub branch. Only the account number changes from customer to customer.
What is the IFSC code of Bank of India Howrah Retail Hub branch?
The IFSC code of Bank of India, Howrah Retail Hub branch is BKID0004082. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC BKID0004082 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0004082 to send funds instantly.
How quickly will an NEFT transfer using BKID0004082 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Howrah Retail Hub reflect within 30 minutes.
Is IFSC BKID0004082 valid for NEFT and RTGS?
Yes. IFSC BKID0004082 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Bank of India Howrah Retail Hub as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0004082, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Bank of India Howrah Retail Hub branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-3323673340 to confirm.
What is the phone number of Bank of India Howrah Retail Hub branch?
You can reach the branch at 33-3323673340 during regular banking hours.
Summary
The IFSC code BKID0004082 belongs to Bank of India's HOWRAH RETAIL HUB branch, located at 43 G T ROAD SOUTHHOWRAH in HOWRAH, WEST BENGAL. 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.
