Use this page as a one-stop reference for everything related to Bank of India's JAMUI branch in JAMUI, BIHAR. The branch's IFSC code BKID0004645 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.
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 – JAMUI is BKID0004645. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004645 map to this branch in JAMUI, BIHAR.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Jamui |
| IFSC Code | BKID0004645 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KUTCHERI ROADOPPOSITE CIVIL COURT GATE JAMUI DIST JAMUI |
| City | Jamui |
| District | Jamui |
| State | Bihar |
| STD Code | 6345 |
| Phone | 6345224413 |
Bank profile
Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Jamui branch — IFSC BKID0004645 — extends the bank's services to customers in and around Jamui, Bihar.
About the Jamui branch
The Jamui branch of Bank of India is situated at KUTCHERI ROADOPPOSITE CIVIL COURT GATE JAMUI DIST JAMUI. 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 BKID0004645 is used.
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 JAMUI of Bank of India — its own 11-character IFSC. The code BKID0004645 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 BKID0004645 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 BKID0004645
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 BKID0004645 across all three.
How to use IFSC BKID0004645 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's JAMUI branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC BKID0004645.
- Confirm the bank name auto-populates as Bank of India and the branch as JAMUI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to JAMUI
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's JAMUI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004645 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India JAMUI (IFSC BKID0004645)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0004645 in your mobile or internet banking app, and the money is credited to the JAMUI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Jamui
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 BKID0004645:
- 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 JAMUI is still linked to IFSC BKID0004645.
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.
UPI payments and IFSC BKID0004645
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 – JAMUI is still mapped to IFSC BKID0004645. 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 BKID0004645 and the beneficiary's account number to complete the transfer.
Account types you can open at the Jamui branch
Once you have an account at Bank of India – JAMUI, the IFSC BKID0004645 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 Jamui branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6345-6345224413.
- 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 BKID0004645
MICR & cheque-truncation details
Cheques drawn on the Jamui branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0004645 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC BKID0004645
Bank of India customers can register for net banking and the bank's official mobile app once their account at the JAMUI 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 BKID0004645 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.
Common mistakes to avoid when using IFSC BKID0004645
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 – JAMUI, 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:
BKID0004645. - 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 Jamui branch
The branch is located at KUTCHERI ROADOPPOSITE CIVIL COURT GATE JAMUI DIST JAMUI, which puts it inside Jamui, the broader Jamui district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Jamui branch” — the verified location pin for IFSC BKID0004645 should appear at the top of the results.
- Confirm the branch is open by calling 6345-6345224413 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 BKID0004645 and your account number.
Verifying IFSC BKID0004645 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 BKID0004645 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6345-6345224413.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Jamui 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 BKID0004645 continue to work without interruption.
Branch address & contact
Bank of IndiaJamui Branch
KUTCHERI ROADOPPOSITE CIVIL COURT GATE JAMUI DIST JAMUI
Jamui, Bihar
Phone: 6345-6345224413
IFSC: BKID0004645
Frequently asked questions
Where is Bank of India Jamui branch located?
Bank of India's Jamui branch is located at KUTCHERI ROADOPPOSITE CIVIL COURT GATE JAMUI DIST JAMUI, Jamui, Bihar.
Is IFSC BKID0004645 the same for all accounts at Jamui branch?
Yes. The IFSC BKID0004645 is shared by every account held at Bank of India's Jamui branch. Only the account number changes from customer to customer.
What is the IFSC code of Bank of India Jamui branch?
The IFSC code of Bank of India, Jamui branch is BKID0004645. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Bank of India Jamui as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0004645, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Bank of India Jamui branch?
You can reach the branch at 6345-6345224413 during regular banking hours.
Can I use IFSC BKID0004645 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0004645 to send funds instantly.
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 Jamui branch but serve different purposes.
Summary
The IFSC code BKID0004645 belongs to Bank of India's JAMUI branch, located at KUTCHERI ROADOPPOSITE CIVIL COURT GATE JAMUI DIST JAMUI in JAMUI, BIHAR. 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.
