This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, NALA branch in JAMTARA. The 11-digit IFSC BKID0004770 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Bank of India at the NALA location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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 – NALA is BKID0004770. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004770 map to this branch in JAMTARA, JHARKHAND.
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nala branch in Jamtara, Jharkhand is part of this network and uses the IFSC code BKID0004770 for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Nala |
| IFSC Code | BKID0004770 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL AND PO NALA DIST JAMTARA |
| City | Jamtara |
| District | Jamtara |
| State | Jharkhand |
| STD Code | 91 |
| Phone | 9638576311 |
About the Nala branch
The Nala branch of Bank of India is situated at VILL AND PO NALA DIST JAMTARA. 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 BKID0004770 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 NALA branch came to be assigned the code BKID0004770.
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 BKID0004770, money simply cannot be routed to the NALA branch electronically.
Account types you can open at the Nala branch
Once you have an account at Bank of India – NALA, the IFSC BKID0004770 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 Nala branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9638576311.
- 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 BKID0004770
How to transfer money using IFSC BKID0004770
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 BKID0004770 across all three.
NEFT to Bank of India, NALA using IFSC BKID0004770
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 BKID0004770, and confirm that the system picks up Bank of India – NALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NALA
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's NALA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004770 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India NALA (IFSC BKID0004770)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0004770 in your mobile or internet banking app, and the money is credited to the NALA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0004770 for Bank of India – NALA, 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 – BKID0004770 | Yes – BKID0004770 | Yes – BKID0004770 |
For most retail customers crediting the Nala 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 BKID0004770
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 – NALA is still mapped to IFSC BKID0004770. 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 BKID0004770 and the beneficiary's account number to complete the transfer.
Online banking and IFSC BKID0004770
Bank of India customers can register for net banking and the bank's official mobile app once their account at the NALA 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 BKID0004770 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.
MICR & cheque-truncation details
Cheques drawn on the Nala branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0004770 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC BKID0004770
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 – NALA, 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:
BKID0004770. - 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 Nala branch sits at VILL AND PO NALA DIST JAMTARA. If you are travelling from outside Jamtara, search for the branch on a maps application using the bank name and locality, or call 91-9638576311 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 BKID0004770 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0004770 for Bank of India – NALA, 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 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 Nala branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0004770, however, work 24x7.
Branch address & contact
Bank of IndiaNala Branch
VILL AND PO NALA DIST JAMTARA
Jamtara, Jharkhand
Phone: 91-9638576311
IFSC: BKID0004770
Frequently asked questions
Does Bank of India Nala branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9638576311 to confirm.
What is the IFSC code of Bank of India Nala branch?
The IFSC code of Bank of India, Nala branch is BKID0004770. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC BKID0004770 the same for all accounts at Nala branch?
Yes. The IFSC BKID0004770 is shared by every account held at Bank of India's Nala 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 Nala branch but serve different purposes.
What is the phone number of Bank of India Nala branch?
You can reach the branch at 91-9638576311 during regular banking hours.
Is IFSC BKID0004770 valid for NEFT and RTGS?
Yes. IFSC BKID0004770 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using BKID0004770 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Nala reflect within 30 minutes.
Summary
The IFSC code BKID0004770 belongs to Bank of India's NALA branch, located at VILL AND PO NALA DIST JAMTARA in JAMTARA, JHARKHAND. 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.
