Use this page as a one-stop reference for everything related to Bank of India's KARHI branch in KARHI DISTRICT KHARGONE, MADHYA PRADESH. The branch's IFSC code BKID0009904 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Bank of India's KARHI branch, the IFSC BKID0009904 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 009904 identifies this particular branch.
About Bank of India
Bank of India operates a wide network of branches across India, including the Karhi branch in Karhi District Khargone. 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, BKID0009904.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Karhi |
| IFSC Code | BKID0009904 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT KARHIDISTRICT KHARGONE |
| City | Karhi District Khargone |
| District | Karhi District Khargone |
| State | Madhya Pradesh |
| STD Code | 7283 |
| Phone | 7283255222 |
Karhi branch overview
Located at AT KARHIDISTRICT KHARGONE, the Karhi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0009904 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 KARHI branch came to be assigned the code BKID0009904.
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 BKID0009904, money simply cannot be routed to the KARHI branch electronically.
Products and account variants supported
Every account opened at the Karhi branch is mapped to IFSC BKID0009904 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 BKID0009904.
Banking services available
The Karhi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7283-7283255222.
- 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 BKID0009904
How to transfer money using IFSC BKID0009904
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 BKID0009904 across all three.
How to use IFSC BKID0009904 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's KARHI 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 BKID0009904.
- Confirm the bank name auto-populates as Bank of India and the branch as KARHI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to KARHI
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's KARHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0009904 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India KARHI (IFSC BKID0009904)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0009904 in your mobile or internet banking app, and the money is credited to the KARHI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0009904 for Bank of India – KARHI, 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 – BKID0009904 | Yes – BKID0009904 | Yes – BKID0009904 |
For most retail customers crediting the Karhi 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 BKID0009904
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 – KARHI is still mapped to IFSC BKID0009904. 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 BKID0009904 and the beneficiary's account number to complete the transfer.
Online banking and IFSC BKID0009904
Bank of India customers can register for net banking and the bank's official mobile app once their account at the KARHI 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 BKID0009904 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 BKID0009904 and the account number together uniquely identify the Karhi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – KARHI:
- The IFSC is exactly BKID0009904 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 KARHI 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.
How to reach the Karhi branch
The branch is located at AT KARHIDISTRICT KHARGONE, which puts it inside Karhi District Khargone, the broader Karhi District Khargone district, and the state of Madhya Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Karhi branch” — the verified location pin for IFSC BKID0009904 should appear at the top of the results.
- Confirm the branch is open by calling 7283-7283255222 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 BKID0009904 and your account number.
Verifying IFSC BKID0009904 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 BKID0009904 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 7283-7283255222.
- Visiting the bank's official branch locator page.
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 Karhi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0009904, however, work 24x7.
Branch address & contact
Bank of IndiaKarhi Branch
AT KARHIDISTRICT KHARGONE
Karhi District Khargone, Madhya Pradesh
Phone: 7283-7283255222
IFSC: BKID0009904
Frequently asked questions
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 Karhi branch but serve different purposes.
How do I add Bank of India Karhi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0009904, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC BKID0009904 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0009904 to send funds instantly.
Is IFSC BKID0009904 the same for all accounts at Karhi branch?
Yes. The IFSC BKID0009904 is shared by every account held at Bank of India's Karhi branch. Only the account number changes from customer to customer.
Where is Bank of India Karhi branch located?
Bank of India's Karhi branch is located at AT KARHIDISTRICT KHARGONE, Karhi District Khargone, Madhya Pradesh.
Is IFSC BKID0009904 valid for NEFT and RTGS?
Yes. IFSC BKID0009904 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: BKID0009904 is the IFSC code of Bank of India, KARHI branch, in KARHI DISTRICT KHARGONE, MADHYA PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
