If you are searching for the IFSC code of Bank of India, RATANADA branch in JODHPUR, RAJASTHAN, this page has every detail you need. The verified IFSC code for this branch is BKID0007887. 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 RATANADA branch, and detailed step-by-step guides for using the IFSC BKID0007887 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.
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 – RATANADA is BKID0007887. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 007887 map to this branch in JODHPUR, RAJASTHAN.
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ratanada branch in Jodhpur, Rajasthan is part of this network and uses the IFSC code BKID0007887 for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Ratanada |
| IFSC Code | BKID0007887 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PLOT NO 24 SHIV MANDIR ROAD RATANADA JODHPUR 342011 |
| City | Jodhpur |
| District | Jodhpur |
| State | Rajasthan |
| STD Code | 291 |
| Phone | 2659611 |
Ratanada branch overview
Located at PLOT NO 24 SHIV MANDIR ROAD RATANADA JODHPUR 342011, the Ratanada branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0007887 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 RATANADA branch came to be assigned the code BKID0007887.
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 BKID0007887, money simply cannot be routed to the RATANADA branch electronically.
Products and account variants supported
Every account opened at the Ratanada branch is mapped to IFSC BKID0007887 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 BKID0007887.
Products and services
Customers walking into the Ratanada 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 BKID0007887
How to transfer money using IFSC BKID0007887
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 BKID0007887 across all three.
NEFT to Bank of India, RATANADA using IFSC BKID0007887
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 BKID0007887, and confirm that the system picks up Bank of India – RATANADA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RATANADA
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's RATANADA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0007887 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India RATANADA (IFSC BKID0007887)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0007887 in your mobile or internet banking app, and the money is credited to the RATANADA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ratanada
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 BKID0007887:
- 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 RATANADA is still linked to IFSC BKID0007887.
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 BKID0007887
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 – RATANADA is still mapped to IFSC BKID0007887. 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 BKID0007887 and the beneficiary's account number to complete the transfer.
Online banking and IFSC BKID0007887
Bank of India customers can register for net banking and the bank's official mobile app once their account at the RATANADA 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 BKID0007887 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 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 BKID0007887 and the account number together uniquely identify the Ratanada 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 BKID0007887
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 – RATANADA, 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:
BKID0007887. - 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 Ratanada branch sits at PLOT NO 24 SHIV MANDIR ROAD RATANADA JODHPUR 342011. If you are travelling from outside Jodhpur, search for the branch on a maps application using the bank name and locality, or call 291-2659611 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 BKID0007887 and your account number.
Verifying IFSC BKID0007887 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 BKID0007887 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 291-2659611.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ratanada 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 BKID0007887 continue to work without interruption.
Branch address & contact
Bank of IndiaRatanada Branch
PLOT NO 24 SHIV MANDIR ROAD RATANADA JODHPUR 342011
Jodhpur, Rajasthan
Phone: 291-2659611
IFSC: BKID0007887
Frequently asked questions
Is IFSC BKID0007887 the same for all accounts at Ratanada branch?
Yes. The IFSC BKID0007887 is shared by every account held at Bank of India's Ratanada branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using BKID0007887 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Ratanada reflect within 30 minutes.
Does Bank of India Ratanada branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 291-2659611 to confirm.
How do I add Bank of India Ratanada as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0007887, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Bank of India Ratanada branch located?
Bank of India's Ratanada branch is located at PLOT NO 24 SHIV MANDIR ROAD RATANADA JODHPUR 342011, Jodhpur, Rajasthan.
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 Ratanada branch but serve different purposes.
Summary
The IFSC code BKID0007887 belongs to Bank of India's RATANADA branch, located at PLOT NO 24 SHIV MANDIR ROAD RATANADA JODHPUR 342011 in JODHPUR, RAJASTHAN. 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.
