Below are the complete branch details for Bank of India, PATARA branch, located in JALLANDHAR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is BKID0006413. 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 BKID0006413 for Bank of India – PATARA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 PATARA branch, the IFSC BKID0006413 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 006413 identifies this particular branch.
About Bank of India
Bank of India operates a wide network of branches across India, including the Patara branch in Jallandhar. 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, BKID0006413.
About the Patara branch
The Patara branch of Bank of India is situated at VILLAGE P O PATARADISTRICT JALANDHAR. 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 BKID0006413 is used.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Patara |
| IFSC Code | BKID0006413 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILLAGE P O PATARADISTRICT JALANDHAR |
| City | Jallandhar |
| District | Jallandhar |
| State | Punjab |
| STD Code | 181 |
| Phone | 1812705802 |
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 PATARA branch came to be assigned the code BKID0006413.
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 BKID0006413, money simply cannot be routed to the PATARA branch electronically.
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 BKID0006413 and the account number together uniquely identify the Patara branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC BKID0006413
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 BKID0006413 across all three.
NEFT to Bank of India, PATARA using IFSC BKID0006413
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 BKID0006413, and confirm that the system picks up Bank of India – PATARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0006413
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 – PATARA, ensure your bank's portal accepts IFSC BKID0006413 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – PATARA, use IMPS. With IFSC BKID0006413 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 BKID0006413 for Bank of India – PATARA, 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 – BKID0006413 | Yes – BKID0006413 | Yes – BKID0006413 |
For most retail customers crediting the Patara 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 BKID0006413
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 – PATARA is still mapped to IFSC BKID0006413. 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 BKID0006413 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Patara branch is mapped to IFSC BKID0006413 on the RBI payments network. The branch generally supports the full retail product catalogue of Bank of India, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains BKID0006413.
Banking services available
The Patara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 181-1812705802.
- 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 BKID0006413
Digital banking channels
Most day-to-day work that customers used to do at the Patara 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 BKID0006413 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.
Reaching the branch
The Patara branch sits at VILLAGE P O PATARADISTRICT JALANDHAR. If you are travelling from outside Jallandhar, search for the branch on a maps application using the bank name and locality, or call 181-1812705802 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 BKID0006413 and your account number.
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 – PATARA:
- The IFSC is exactly BKID0006413 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 PATARA 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.
Working hours
Branch counters at Patara 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 BKID0006413 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0006413 for Bank of India – PATARA, 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 address & contact
Bank of IndiaPatara Branch
VILLAGE P O PATARADISTRICT JALANDHAR
Jallandhar, Punjab
Phone: 181-1812705802
IFSC: BKID0006413
Frequently asked questions
Is IFSC BKID0006413 valid for NEFT and RTGS?
Yes. IFSC BKID0006413 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Bank of India Patara branch?
You can reach the branch at 181-1812705802 during regular banking hours.
What is the IFSC code of Bank of India Patara branch?
The IFSC code of Bank of India, Patara branch is BKID0006413. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC BKID0006413 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0006413 to send funds instantly.
How quickly will an NEFT transfer using BKID0006413 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Patara reflect within 30 minutes.
How do I add Bank of India Patara as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0006413, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code BKID0006413 belongs to Bank of India's PATARA branch, located at VILLAGE P O PATARADISTRICT JALANDHAR 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.
