This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, KANKIPADU branch in KANKIPADU AP. The 11-digit IFSC BKID0005693 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 KANKIPADU 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.
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 – KANKIPADU is BKID0005693. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005693 map to this branch in KANKIPADU AP, ANDHRA PRADESH.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Kankipadu |
| IFSC Code | BKID0005693 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DNO 13 28 GANNAVARAM ROADKANKIPADU ANDHRA PRADESH |
| City | Kankipadu Ap |
| District | Kankipadu Ap |
| State | Andhra Pradesh |
| STD Code | 91 |
| Phone | 8662821888 |
About Bank of India
Bank of India operates a wide network of branches across India, including the Kankipadu branch in Kankipadu Ap. 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, BKID0005693.
About this branch
The branch is located at DNO 13 28 GANNAVARAM ROADKANKIPADU ANDHRA PRADESH. It serves the Kankipadu Ap 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 BKID0005693 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 KANKIPADU of Bank of India — its own 11-character IFSC. The code BKID0005693 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 BKID0005693 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 BKID0005693
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 BKID0005693 across all three.
How to use IFSC BKID0005693 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's KANKIPADU 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 BKID0005693.
- Confirm the bank name auto-populates as Bank of India and the branch as KANKIPADU.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BKID0005693
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 – KANKIPADU, ensure your bank's portal accepts IFSC BKID0005693 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – KANKIPADU, use IMPS. With IFSC BKID0005693 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 BKID0005693 for Bank of India – KANKIPADU, 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 – BKID0005693 | Yes – BKID0005693 | Yes – BKID0005693 |
For most retail customers crediting the Kankipadu 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 KANKIPADU branch, the IFSC BKID0005693 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.
Products and account variants supported
Every account opened at the Kankipadu branch is mapped to IFSC BKID0005693 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 BKID0005693.
Products and services
Customers walking into the Kankipadu 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 BKID0005693
MICR & cheque-truncation details
Cheques drawn on the Kankipadu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0005693 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Kankipadu branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC BKID0005693 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
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 – KANKIPADU:
- The IFSC is exactly BKID0005693 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 KANKIPADU 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.
Reaching the branch
The Kankipadu branch sits at DNO 13 28 GANNAVARAM ROADKANKIPADU ANDHRA PRADESH. If you are travelling from outside Kankipadu Ap, search for the branch on a maps application using the bank name and locality, or call 91-8662821888 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 BKID0005693 and your account number.
Verifying IFSC BKID0005693 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 BKID0005693 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8662821888.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kankipadu 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 BKID0005693 continue to work without interruption.
Branch address & contact
Bank of IndiaKankipadu Branch
DNO 13 28 GANNAVARAM ROADKANKIPADU ANDHRA PRADESH
Kankipadu Ap, Andhra Pradesh
Phone: 91-8662821888
IFSC: BKID0005693
Frequently asked questions
How quickly will an NEFT transfer using BKID0005693 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Kankipadu reflect within 30 minutes.
Is IFSC BKID0005693 the same for all accounts at Kankipadu branch?
Yes. The IFSC BKID0005693 is shared by every account held at Bank of India's Kankipadu branch. Only the account number changes from customer to customer.
Can I use IFSC BKID0005693 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0005693 to send funds instantly.
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 Kankipadu branch but serve different purposes.
Is IFSC BKID0005693 valid for NEFT and RTGS?
Yes. IFSC BKID0005693 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Bank of India Kankipadu branch?
The IFSC code of Bank of India, Kankipadu branch is BKID0005693. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Bank of India Kankipadu branch?
You can reach the branch at 91-8662821888 during regular banking hours.
Summary
The IFSC code BKID0005693 belongs to Bank of India's KANKIPADU branch, located at DNO 13 28 GANNAVARAM ROADKANKIPADU ANDHRA PRADESH in KANKIPADU AP, ANDHRA 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.
