IFSC Code of Bank of India, Karnaprayag Branch Branch, Uttarakhand

Below are the complete branch details for Bank of India, KARNAPRAYAG BRANCH branch, located in KARNAPRAYAG, UTTARAKHAND. The IFSC assigned by the Reserve Bank of India to this branch is BKID0007061. 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 BKID0007061 for Bank of India – KARNAPRAYAG BRANCH — 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, BKID0007061 is the IFSC of Bank of India's KARNAPRAYAG BRANCH branch. The format is fixed: BKID = bank code, 0 = reserved, 007061 = branch identifier.

Branch details at a glance

About the bank

Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Karnaprayag Branch branch in Karnaprayag, Uttarakhand is part of this network and uses the IFSC code BKID0007061 for all electronic settlement.

Karnaprayag Branch branch overview

Located at BANK OF INDIA KARNAPRAYAG,NEAR KARN MANDIR,BHAIDGAON PARGANA,KARNAPRAYAG,CHAMOLI,UTTARAKHAND 246446, the Karnaprayag Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0007061 is required for all interbank electronic transfers routed through this branch.

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 KARNAPRAYAG BRANCH of Bank of India — its own 11-character IFSC. The code BKID0007061 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 BKID0007061 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 BKID0007061

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 BKID0007061 across all three.

How to use IFSC BKID0007061 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's KARNAPRAYAG BRANCH 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC BKID0007061.
4. Confirm the bank name auto-populates as Bank of India and the branch as KARNAPRAYAG BRANCH.
5. 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 KARNAPRAYAG BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's KARNAPRAYAG BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0007061 while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of India KARNAPRAYAG BRANCH (IFSC BKID0007061)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0007061 in your mobile or internet banking app, and the money is credited to the KARNAPRAYAG BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Karnaprayag Branch

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC BKID0007061:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at KARNAPRAYAG BRANCH is still linked to IFSC BKID0007061.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 KARNAPRAYAG BRANCH branch, the IFSC BKID0007061 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 Karnaprayag Branch branch is mapped to IFSC BKID0007061 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 BKID0007061.

Products and services

Customers walking into the Karnaprayag Branch 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 BKID0007061

MICR & cheque-truncation details

Cheques drawn on the Karnaprayag Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0007061 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC BKID0007061

Bank of India customers can register for net banking and the bank's official mobile app once their account at the KARNAPRAYAG BRANCH 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 BKID0007061 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.

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 – KARNAPRAYAG BRANCH:

• The IFSC is exactly BKID0007061 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 KARNAPRAYAG BRANCH 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 Karnaprayag Branch branch

The branch is located at BANK OF INDIA KARNAPRAYAG,NEAR KARN MANDIR,BHAIDGAON PARGANA,KARNAPRAYAG,CHAMOLI,UTTARAKHAND 246446, which puts it inside Karnaprayag, the broader Chamoli district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of India Karnaprayag Branch branch” — the verified location pin for IFSC BKID0007061 should appear at the top of the results.
2. Confirm the branch is open by calling 91-8954719790 before stepping out, especially around public holidays.
3. 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 BKID0007061 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BKID0007061 for Bank of India – KARNAPRAYAG BRANCH, 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 Karnaprayag Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0007061, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BKID0007061 belongs to Bank of India's KARNAPRAYAG BRANCH branch, located at BANK OF INDIA KARNAPRAYAG,NEAR KARN MANDIR,BHAIDGAON… in KARNAPRAYAG, UTTARAKHAND. 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.