Below are the complete branch details for Bank of India, KALYANI branch, located in KALYANI, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is BKID0004222. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case BKID0004222 for Bank of India – KALYANI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, BKID0004222 is the IFSC of Bank of India's KALYANI branch. The format is fixed: BKID = bank code, 0 = reserved, 004222 = branch identifier.
Bank profile
Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Kalyani branch — IFSC BKID0004222 — extends the bank's services to customers in and around Kalyani, West Bengal.
About this branch
The branch is located at CENTRAL PARKKALYANI. It serves the Kalyani 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 BKID0004222 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Kalyani |
| IFSC Code | BKID0004222 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CENTRAL PARKKALYANI |
| City | Kalyani |
| District | Kalyani |
| State | West Bengal |
| STD Code | 33 |
| Phone | 25808776 |
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 KALYANI branch came to be assigned the code BKID0004222.
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 BKID0004222, money simply cannot be routed to the KALYANI 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 BKID0004222 and the account number together uniquely identify the Kalyani branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC BKID0004222
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 BKID0004222 across all three.
NEFT to Bank of India, KALYANI using IFSC BKID0004222
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 BKID0004222, and confirm that the system picks up Bank of India – KALYANI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0004222
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 – KALYANI, ensure your bank's portal accepts IFSC BKID0004222 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of India KALYANI (IFSC BKID0004222)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0004222 in your mobile or internet banking app, and the money is credited to the KALYANI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0004222 for Bank of India – KALYANI, 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 – BKID0004222 | Yes – BKID0004222 | Yes – BKID0004222 |
For most retail customers crediting the Kalyani 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 BKID0004222
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 – KALYANI is still mapped to IFSC BKID0004222. 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 BKID0004222 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kalyani branch is mapped to IFSC BKID0004222 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 BKID0004222.
Products and services
Customers walking into the Kalyani 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 BKID0004222
Online banking and IFSC BKID0004222
Bank of India customers can register for net banking and the bank's official mobile app once their account at the KALYANI 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 BKID0004222 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 Kalyani branch
The branch is located at CENTRAL PARKKALYANI, which puts it inside Kalyani, the broader Kalyani district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Kalyani branch” — the verified location pin for IFSC BKID0004222 should appear at the top of the results.
- Confirm the branch is open by calling 33-25808776 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 BKID0004222 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 – KALYANI:
- The IFSC is exactly BKID0004222 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 KALYANI 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 Kalyani branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0004222, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0004222 for Bank of India – KALYANI, 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 address & contact
Bank of IndiaKalyani Branch
CENTRAL PARKKALYANI
Kalyani, West Bengal
Phone: 33-25808776
IFSC: BKID0004222
Frequently asked questions
Is IFSC BKID0004222 the same for all accounts at Kalyani branch?
Yes. The IFSC BKID0004222 is shared by every account held at Bank of India's Kalyani branch. Only the account number changes from customer to customer.
Does Bank of India Kalyani branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-25808776 to confirm.
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 Kalyani branch but serve different purposes.
What is the phone number of Bank of India Kalyani branch?
You can reach the branch at 33-25808776 during regular banking hours.
Can I use IFSC BKID0004222 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0004222 to send funds instantly.
How quickly will an NEFT transfer using BKID0004222 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Kalyani reflect within 30 minutes.
What is the IFSC code of Bank of India Kalyani branch?
The IFSC code of Bank of India, Kalyani branch is BKID0004222. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC BKID0004222 valid for NEFT and RTGS?
Yes. IFSC BKID0004222 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code BKID0004222 belongs to Bank of India's KALYANI branch, located at CENTRAL PARKKALYANI in KALYANI, WEST BENGAL. 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.
