Use this page as a one-stop reference for everything related to Bank of India's KANDLA PORT branch in KANDLA, GUJARAT. The branch's IFSC code BKID0003823 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, BKID0003823 is the IFSC of Bank of India's KANDLA PORT branch. The format is fixed: BKID = bank code, 0 = reserved, 003823 = branch identifier.
Bank profile
Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Kandla Port branch — IFSC BKID0003823 — extends the bank's services to customers in and around Kandla, Gujarat.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Kandla Port |
| IFSC Code | BKID0003823 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BANK OF INDIA BUILDINGNEAR HOTEL SEA ROCK |
| City | Kandla |
| District | Kandla |
| State | Gujarat |
| STD Code | 2836 |
| Phone | 2836270343 |
Kandla Port branch overview
Located at BANK OF INDIA BUILDINGNEAR HOTEL SEA ROCK, the Kandla Port branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0003823 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 KANDLA PORT branch came to be assigned the code BKID0003823.
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 BKID0003823, money simply cannot be routed to the KANDLA PORT branch electronically.
Products and account variants supported
Every account opened at the Kandla Port branch is mapped to IFSC BKID0003823 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 BKID0003823.
Banking services available
The Kandla Port branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2836-2836270343.
- 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 BKID0003823
How to transfer money using IFSC BKID0003823
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 BKID0003823 across all three.
How to use IFSC BKID0003823 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's KANDLA PORT 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 BKID0003823.
- Confirm the bank name auto-populates as Bank of India and the branch as KANDLA PORT.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BKID0003823
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 – KANDLA PORT, ensure your bank's portal accepts IFSC BKID0003823 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of India KANDLA PORT (IFSC BKID0003823)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0003823 in your mobile or internet banking app, and the money is credited to the KANDLA PORT branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0003823 for Bank of India – KANDLA PORT, 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 – BKID0003823 | Yes – BKID0003823 | Yes – BKID0003823 |
For most retail customers crediting the Kandla Port 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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Bank of India's KANDLA PORT branch, the IFSC BKID0003823 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Online banking and IFSC BKID0003823
Bank of India customers can register for net banking and the bank's official mobile app once their account at the KANDLA PORT 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 BKID0003823 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 BKID0003823 and the account number together uniquely identify the Kandla Port 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 BKID0003823
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 – KANDLA PORT, 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:
BKID0003823. - 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 Kandla Port branch
The branch is located at BANK OF INDIA BUILDINGNEAR HOTEL SEA ROCK, which puts it inside Kandla, the broader Kandla district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Kandla Port branch” — the verified location pin for IFSC BKID0003823 should appear at the top of the results.
- Confirm the branch is open by calling 2836-2836270343 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 BKID0003823 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0003823 for Bank of India – KANDLA PORT, 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 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 Kandla Port branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0003823, however, work 24x7.
Branch address & contact
Bank of IndiaKandla Port Branch
BANK OF INDIA BUILDINGNEAR HOTEL SEA ROCK
Kandla, Gujarat
Phone: 2836-2836270343
IFSC: BKID0003823
Frequently asked questions
Is IFSC BKID0003823 valid for NEFT and RTGS?
Yes. IFSC BKID0003823 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Bank of India Kandla Port branch located?
Bank of India's Kandla Port branch is located at BANK OF INDIA BUILDINGNEAR HOTEL SEA ROCK, Kandla, Gujarat.
How quickly will an NEFT transfer using BKID0003823 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Kandla Port reflect within 30 minutes.
Is IFSC BKID0003823 the same for all accounts at Kandla Port branch?
Yes. The IFSC BKID0003823 is shared by every account held at Bank of India's Kandla Port branch. Only the account number changes from customer to customer.
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 Kandla Port branch but serve different purposes.
Can I use IFSC BKID0003823 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0003823 to send funds instantly.
Summary
The IFSC code BKID0003823 belongs to Bank of India's KANDLA PORT branch, located at BANK OF INDIA BUILDINGNEAR HOTEL SEA ROCK in KANDLA, GUJARAT. 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.
