If you are searching for the IFSC code of Bank of India, JAMAKHANDI branch in JAMAKHANDI, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is BKID0008972. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the JAMAKHANDI branch, and detailed step-by-step guides for using the IFSC BKID0008972 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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, BKID0008972 is the IFSC of Bank of India's JAMAKHANDI branch. The format is fixed: BKID = bank code, 0 = reserved, 008972 = branch identifier.
Bank profile
Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Jamakhandi branch — IFSC BKID0008972 — extends the bank's services to customers in and around Jamakhandi, Karnataka.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Jamakhandi |
| IFSC Code | BKID0008972 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SIDDESHWAR PLAZA PLOT NO 46 48 52 54 R S NO 6391 KUNCHANUR ROAD NEAR DANAMMA DEVI TEMPLE JAMAKHANDI DIST BAGALKOT |
| City | Jamakhandi |
| District | Bagalkot |
| State | Karnataka |
| STD Code | 91 |
| Phone | 9964742760 |
Jamakhandi branch overview
Located at SIDDESHWAR PLAZA PLOT NO 46 48 52 54 R S NO 6391 KUNCHANUR ROAD NEAR DANAMMA DEVI TEMPLE JAMAKHANDI DIST BAGALKOT, the Jamakhandi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0008972 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 JAMAKHANDI branch came to be assigned the code BKID0008972.
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 BKID0008972, money simply cannot be routed to the JAMAKHANDI branch electronically.
Products and account variants supported
Every account opened at the Jamakhandi branch is mapped to IFSC BKID0008972 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 BKID0008972.
Banking services available
The Jamakhandi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9964742760.
- 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 BKID0008972
How to transfer money using IFSC BKID0008972
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 BKID0008972 across all three.
NEFT to Bank of India, JAMAKHANDI using IFSC BKID0008972
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 BKID0008972, and confirm that the system picks up Bank of India – JAMAKHANDI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to JAMAKHANDI
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's JAMAKHANDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0008972 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India JAMAKHANDI (IFSC BKID0008972)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0008972 in your mobile or internet banking app, and the money is credited to the JAMAKHANDI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0008972 for Bank of India – JAMAKHANDI, 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 – BKID0008972 | Yes – BKID0008972 | Yes – BKID0008972 |
For most retail customers crediting the Jamakhandi 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 BKID0008972
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 – JAMAKHANDI is still mapped to IFSC BKID0008972. 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 BKID0008972 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 Jamakhandi 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 BKID0008972 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 BKID0008972 and the account number together uniquely identify the Jamakhandi 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 BKID0008972
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 – JAMAKHANDI, 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:
BKID0008972. - 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.
How to reach the Jamakhandi branch
The branch is located at SIDDESHWAR PLAZA PLOT NO 46 48 52 54 R S NO 6391 KUNCHANUR ROAD NEAR DANAMMA DEVI TEMPLE JAMAKHANDI DIST BAGALKOT, which puts it inside Jamakhandi, the broader Bagalkot district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Jamakhandi branch” — the verified location pin for IFSC BKID0008972 should appear at the top of the results.
- Confirm the branch is open by calling 91-9964742760 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 BKID0008972 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0008972 for Bank of India – JAMAKHANDI, 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 Jamakhandi 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 BKID0008972 continue to work without interruption.
Branch address & contact
Bank of IndiaJamakhandi Branch
SIDDESHWAR PLAZA PLOT NO 46 48 52 54 R S NO 6391 KUNCHANUR ROAD NEAR DANAMMA DEVI TEMPLE JAMAKHANDI DIST BAGALKOT
Jamakhandi, Karnataka
Phone: 91-9964742760
IFSC: BKID0008972
Frequently asked questions
What is the phone number of Bank of India Jamakhandi branch?
You can reach the branch at 91-9964742760 during regular banking hours.
Can I use IFSC BKID0008972 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0008972 to send funds instantly.
Does Bank of India Jamakhandi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9964742760 to confirm.
How do I add Bank of India Jamakhandi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0008972, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC BKID0008972 the same for all accounts at Jamakhandi branch?
Yes. The IFSC BKID0008972 is shared by every account held at Bank of India's Jamakhandi 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 Jamakhandi branch but serve different purposes.
Summary
The IFSC code BKID0008972 belongs to Bank of India's JAMAKHANDI branch, located at SIDDESHWAR PLAZA PLOT NO 46 48 52 54 R S NO 6391 KUNCHANUR ROAD NEAR DANAMMA… in JAMAKHANDI, KARNATAKA. 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.
