Use this page as a one-stop reference for everything related to Bank of India's JALANDHAR INDUSTRIAL AREA SME branch in JALLANDHAR, PUNJAB. The branch's IFSC code BKID0006402 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.
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, BKID0006402 is the IFSC of Bank of India's JALANDHAR INDUSTRIAL AREA SME branch. The format is fixed: BKID = bank code, 0 = reserved, 006402 = branch identifier.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Jalandhar Industrial Area SME |
| IFSC Code | BKID0006402 |
| MICR Code | Refer to cheque leaf |
| Branch Address | S 26 INDUSTRIAL AREAJALANDHAR CITY |
| City | Jallandhar |
| District | Jallandhar |
| State | Punjab |
| STD Code | 181 |
| Phone | 1812290508 |
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Jalandhar Industrial Area SME branch in Jallandhar, Punjab is part of this network and uses the IFSC code BKID0006402 for all electronic settlement.
About this branch
The branch is located at S 26 INDUSTRIAL AREAJALANDHAR CITY. It serves the Jallandhar 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 BKID0006402 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 JALANDHAR INDUSTRIAL AREA SME of Bank of India — its own 11-character IFSC. The code BKID0006402 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 BKID0006402 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 BKID0006402
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 BKID0006402 across all three.
NEFT to Bank of India, JALANDHAR INDUSTRIAL AREA SME using IFSC BKID0006402
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 BKID0006402, and confirm that the system picks up Bank of India – JALANDHAR INDUSTRIAL AREA SME. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0006402
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 – JALANDHAR INDUSTRIAL AREA SME, ensure your bank's portal accepts IFSC BKID0006402 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – JALANDHAR INDUSTRIAL AREA SME, use IMPS. With IFSC BKID0006402 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0006402 for Bank of India – JALANDHAR INDUSTRIAL AREA SME, 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 – BKID0006402 | Yes – BKID0006402 | Yes – BKID0006402 |
For most retail customers crediting the Jalandhar Industrial Area SME 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 BKID0006402
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 – JALANDHAR INDUSTRIAL AREA SME is still mapped to IFSC BKID0006402. 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 BKID0006402 and the beneficiary's account number to complete the transfer.
Account types you can open at the Jalandhar Industrial Area SME branch
Once you have an account at Bank of India – JALANDHAR INDUSTRIAL AREA SME, the IFSC BKID0006402 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 Jalandhar Industrial Area SME 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 BKID0006402
MICR & cheque-truncation details
Cheques drawn on the Jalandhar Industrial Area SME branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0006402 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC BKID0006402
Bank of India customers can register for net banking and the bank's official mobile app once their account at the JALANDHAR INDUSTRIAL AREA SME 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 BKID0006402 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 – JALANDHAR INDUSTRIAL AREA SME:
- The IFSC is exactly BKID0006402 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 JALANDHAR INDUSTRIAL AREA SME 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 Jalandhar Industrial Area SME branch sits at S 26 INDUSTRIAL AREAJALANDHAR CITY. If you are travelling from outside Jallandhar, search for the branch on a maps application using the bank name and locality, or call 181-1812290508 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 BKID0006402 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0006402 for Bank of India – JALANDHAR INDUSTRIAL AREA SME, 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 Jalandhar Industrial Area SME 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 BKID0006402 continue to work without interruption.
Branch address & contact
Bank of IndiaJalandhar Industrial Area SME Branch
S 26 INDUSTRIAL AREAJALANDHAR CITY
Jallandhar, Punjab
Phone: 181-1812290508
IFSC: BKID0006402
Frequently asked questions
How do I add Bank of India Jalandhar Industrial Area SME as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0006402, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Bank of India Jalandhar Industrial Area SME branch?
The IFSC code of Bank of India, Jalandhar Industrial Area SME branch is BKID0006402. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC BKID0006402 the same for all accounts at Jalandhar Industrial Area SME branch?
Yes. The IFSC BKID0006402 is shared by every account held at Bank of India's Jalandhar Industrial Area SME branch. Only the account number changes from customer to customer.
Does Bank of India Jalandhar Industrial Area SME branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 181-1812290508 to confirm.
How quickly will an NEFT transfer using BKID0006402 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Jalandhar Industrial Area SME reflect within 30 minutes.
Is IFSC BKID0006402 valid for NEFT and RTGS?
Yes. IFSC BKID0006402 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Bank of India Jalandhar Industrial Area SME branch located?
Bank of India's Jalandhar Industrial Area SME branch is located at S 26 INDUSTRIAL AREAJALANDHAR CITY, Jallandhar, Punjab.
Summary
The IFSC code BKID0006402 belongs to Bank of India's JALANDHAR INDUSTRIAL AREA SME branch, located at S 26 INDUSTRIAL AREAJALANDHAR CITY in JALLANDHAR, 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.
