Use this page as a one-stop reference for everything related to Bank of India's KAJALMATA branch in KAJALMATA, MADHYA PRADESH. The branch's IFSC code BKID0009943 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.
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, BKID0009943 is the IFSC of Bank of India's KAJALMATA branch. The format is fixed: BKID = bank code, 0 = reserved, 009943 = branch identifier.
About Bank of India
Bank of India operates a wide network of branches across India, including the Kajalmata branch in Kajalmata. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, BKID0009943.
About this branch
The branch is located at BANK OF INDIA GRAM PANCHYAT KAJALMATA TEHSIL BARWANI DIST BARWANI PIN 451447. It serves the Kajalmata 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 BKID0009943 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Kajalmata |
| IFSC Code | BKID0009943 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BANK OF INDIA GRAM PANCHYAT KAJALMATA TEHSIL BARWANI DIST BARWANI PIN 451447 |
| City | Kajalmata |
| District | Barwani |
| State | Madhya Pradesh |
| STD Code | 91 |
| Phone | 9300705116 |
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 KAJALMATA branch came to be assigned the code BKID0009943.
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 BKID0009943, money simply cannot be routed to the KAJALMATA branch electronically.
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 BKID0009943 and the account number together uniquely identify the Kajalmata branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC BKID0009943
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 BKID0009943 across all three.
How to use IFSC BKID0009943 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's KAJALMATA 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 BKID0009943.
- Confirm the bank name auto-populates as Bank of India and the branch as KAJALMATA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BKID0009943
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 – KAJALMATA, ensure your bank's portal accepts IFSC BKID0009943 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – KAJALMATA, use IMPS. With IFSC BKID0009943 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 BKID0009943 for Bank of India – KAJALMATA, 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 – BKID0009943 | Yes – BKID0009943 | Yes – BKID0009943 |
For most retail customers crediting the Kajalmata 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 BKID0009943
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 – KAJALMATA is still mapped to IFSC BKID0009943. 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 BKID0009943 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kajalmata branch is mapped to IFSC BKID0009943 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 BKID0009943.
Products and services
Customers walking into the Kajalmata 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 BKID0009943
Online banking and IFSC BKID0009943
Bank of India customers can register for net banking and the bank's official mobile app once their account at the KAJALMATA 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 BKID0009943 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.
How to reach the Kajalmata branch
The branch is located at BANK OF INDIA GRAM PANCHYAT KAJALMATA TEHSIL BARWANI DIST BARWANI PIN 451447, which puts it inside Kajalmata, the broader Barwani district, and the state of Madhya Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Kajalmata branch” — the verified location pin for IFSC BKID0009943 should appear at the top of the results.
- Confirm the branch is open by calling 91-9300705116 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 BKID0009943 and your account number.
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 – KAJALMATA:
- The IFSC is exactly BKID0009943 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 KAJALMATA 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.
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 Kajalmata branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0009943, however, work 24x7.
Verifying IFSC BKID0009943 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 BKID0009943 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9300705116.
- Visiting the bank's official branch locator page.
Branch address & contact
Bank of IndiaKajalmata Branch
BANK OF INDIA GRAM PANCHYAT KAJALMATA TEHSIL BARWANI DIST BARWANI PIN 451447
Kajalmata, Madhya Pradesh
Phone: 91-9300705116
IFSC: BKID0009943
Frequently asked questions
What is the IFSC code of Bank of India Kajalmata branch?
The IFSC code of Bank of India, Kajalmata branch is BKID0009943. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using BKID0009943 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Kajalmata reflect within 30 minutes.
What is the phone number of Bank of India Kajalmata branch?
You can reach the branch at 91-9300705116 during regular banking hours.
Is IFSC BKID0009943 the same for all accounts at Kajalmata branch?
Yes. The IFSC BKID0009943 is shared by every account held at Bank of India's Kajalmata branch. Only the account number changes from customer to customer.
How do I add Bank of India Kajalmata as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0009943, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Bank of India Kajalmata branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9300705116 to confirm.
Summary
The IFSC code BKID0009943 belongs to Bank of India's KAJALMATA branch, located at BANK OF INDIA GRAM PANCHYAT KAJALMATA TEHSIL BARWANI DIST BARWANI PIN 451447 in KAJALMATA, MADHYA PRADESH. 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.
