Use this page as a one-stop reference for everything related to Bank of India's JAGULI branch in JAGULI, WEST BENGAL. The branch's IFSC code BKID0004150 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 JAGULI branch, the IFSC BKID0004150 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 004150 identifies this particular branch.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Jaguli |
| IFSC Code | BKID0004150 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT JAGULI CHOWMATHAPOST BARAJAGULI P S HARINGHATA PIN741221 |
| City | Jaguli |
| District | Nadia |
| State | West Bengal |
| STD Code | 3473 |
| Phone | 234110 |
About Bank of India
Bank of India operates a wide network of branches across India, including the Jaguli branch in Jaguli. 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, BKID0004150.
About this branch
The branch is located at AT JAGULI CHOWMATHAPOST BARAJAGULI P S HARINGHATA PIN741221. It serves the Jaguli 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 BKID0004150 is used to identify this branch on the RBI payments network.
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 JAGULI branch came to be assigned the code BKID0004150.
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 BKID0004150, money simply cannot be routed to the JAGULI branch electronically.
How to transfer money using IFSC BKID0004150
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 BKID0004150 across all three.
NEFT to Bank of India, JAGULI using IFSC BKID0004150
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 BKID0004150, and confirm that the system picks up Bank of India – JAGULI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0004150
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 – JAGULI, ensure your bank's portal accepts IFSC BKID0004150 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of India JAGULI (IFSC BKID0004150)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0004150 in your mobile or internet banking app, and the money is credited to the JAGULI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Jaguli
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 BKID0004150:
- 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 JAGULI is still linked to IFSC BKID0004150.
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 JAGULI branch, the IFSC BKID0004150 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 Jaguli branch
Once you have an account at Bank of India – JAGULI, the IFSC BKID0004150 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 Jaguli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3473-234110.
- 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 BKID0004150
MICR & cheque-truncation details
Cheques drawn on the Jaguli branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0004150 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Jaguli 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 BKID0004150 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 – JAGULI:
- The IFSC is exactly BKID0004150 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 JAGULI 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 Jaguli branch
The branch is located at AT JAGULI CHOWMATHAPOST BARAJAGULI P S HARINGHATA PIN741221, which puts it inside Jaguli, the broader Nadia district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Jaguli branch” — the verified location pin for IFSC BKID0004150 should appear at the top of the results.
- Confirm the branch is open by calling 3473-234110 before stepping out, especially around public holidays.
- 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 BKID0004150 and your account number.
Verifying IFSC BKID0004150 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 BKID0004150 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 3473-234110.
- Visiting the bank's official branch locator page.
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 Jaguli branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0004150, however, work 24x7.
Branch address & contact
Bank of IndiaJaguli Branch
AT JAGULI CHOWMATHAPOST BARAJAGULI P S HARINGHATA PIN741221
Jaguli, West Bengal
Phone: 3473-234110
IFSC: BKID0004150
Frequently asked questions
How quickly will an NEFT transfer using BKID0004150 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Jaguli reflect within 30 minutes.
How do I add Bank of India Jaguli as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0004150, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Bank of India Jaguli branch located?
Bank of India's Jaguli branch is located at AT JAGULI CHOWMATHAPOST BARAJAGULI P S HARINGHATA PIN741221, Jaguli, West Bengal.
Is IFSC BKID0004150 valid for NEFT and RTGS?
Yes. IFSC BKID0004150 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC BKID0004150 the same for all accounts at Jaguli branch?
Yes. The IFSC BKID0004150 is shared by every account held at Bank of India's Jaguli branch. Only the account number changes from customer to customer.
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 Jaguli branch but serve different purposes.
What is the phone number of Bank of India Jaguli branch?
You can reach the branch at 3473-234110 during regular banking hours.
Summary
The IFSC code BKID0004150 belongs to Bank of India's JAGULI branch, located at AT JAGULI CHOWMATHAPOST BARAJAGULI P S HARINGHATA PIN741221 in JAGULI, 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.
