This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, JARADA branch in JARADA DIST GANJAM. The 11-digit IFSC BKID0005154 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 JARADA 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.
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, BKID0005154 is the IFSC of Bank of India's JARADA branch. The format is fixed: BKID = bank code, 0 = reserved, 005154 = branch identifier.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Jarada |
| IFSC Code | BKID0005154 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT POST JARADAGDADISTRICT GANJAM |
| City | Jarada Dist Ganjam |
| District | Jarada Dist Ganjam |
| State | Odisha |
| STD Code | 680 |
| Phone | 6802645514 |
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Jarada branch in Jarada Dist Ganjam, Odisha is part of this network and uses the IFSC code BKID0005154 for all electronic settlement.
About this branch
The branch is located at AT POST JARADAGDADISTRICT GANJAM. It serves the Jarada Dist Ganjam 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 BKID0005154 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 JARADA of Bank of India — its own 11-character IFSC. The code BKID0005154 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 BKID0005154 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 BKID0005154
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 BKID0005154 across all three.
NEFT to Bank of India, JARADA using IFSC BKID0005154
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 BKID0005154, and confirm that the system picks up Bank of India – JARADA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0005154
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 – JARADA, ensure your bank's portal accepts IFSC BKID0005154 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – JARADA, use IMPS. With IFSC BKID0005154 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 BKID0005154 for Bank of India – JARADA, 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 – BKID0005154 | Yes – BKID0005154 | Yes – BKID0005154 |
For most retail customers crediting the Jarada 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 BKID0005154
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 – JARADA is still mapped to IFSC BKID0005154. 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 BKID0005154 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Jarada branch is mapped to IFSC BKID0005154 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 BKID0005154.
Products and services
Customers walking into the Jarada 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 BKID0005154
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 BKID0005154 and the account number together uniquely identify the Jarada branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC BKID0005154
Bank of India customers can register for net banking and the bank's official mobile app once their account at the JARADA 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 BKID0005154 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 – JARADA:
- The IFSC is exactly BKID0005154 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 JARADA 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.
How to reach the Jarada branch
The branch is located at AT POST JARADAGDADISTRICT GANJAM, which puts it inside Jarada Dist Ganjam, the broader Jarada Dist Ganjam district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Jarada branch” — the verified location pin for IFSC BKID0005154 should appear at the top of the results.
- Confirm the branch is open by calling 680-6802645514 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 BKID0005154 and your account number.
Verifying IFSC BKID0005154 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 BKID0005154 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 680-6802645514.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Jarada 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 BKID0005154 continue to work without interruption.
Branch address & contact
Bank of IndiaJarada Branch
AT POST JARADAGDADISTRICT GANJAM
Jarada Dist Ganjam, Odisha
Phone: 680-6802645514
IFSC: BKID0005154
Frequently asked questions
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 Jarada branch but serve different purposes.
Where is Bank of India Jarada branch located?
Bank of India's Jarada branch is located at AT POST JARADAGDADISTRICT GANJAM, Jarada Dist Ganjam, Odisha.
How quickly will an NEFT transfer using BKID0005154 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Jarada reflect within 30 minutes.
Can I use IFSC BKID0005154 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0005154 to send funds instantly.
What is the IFSC code of Bank of India Jarada branch?
The IFSC code of Bank of India, Jarada branch is BKID0005154. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Bank of India Jarada branch?
You can reach the branch at 680-6802645514 during regular banking hours.
Is IFSC BKID0005154 the same for all accounts at Jarada branch?
Yes. The IFSC BKID0005154 is shared by every account held at Bank of India's Jarada branch. Only the account number changes from customer to customer.
How do I add Bank of India Jarada as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0005154, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code BKID0005154 belongs to Bank of India's JARADA branch, located at AT POST JARADAGDADISTRICT GANJAM in JARADA DIST GANJAM, ODISHA. 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.
