Use this page as a one-stop reference for everything related to Bank of India's MPGB UMARIYAPAN branch in KATNI, MADHYA PRADESH. The branch's IFSC code BKID0MG1226 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.
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 – MPGB UMARIYAPAN is BKID0MG1226. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters MG1226 map to this branch in KATNI, MADHYA PRADESH.
About Bank of India
Bank of India operates a wide network of branches across India, including the Mpgb Umariyapan branch in Katni. 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, BKID0MG1226.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Mpgb Umariyapan |
| IFSC Code | BKID0MG1226 |
| MICR Code | Refer to cheque leaf |
| Branch Address | JHANDA CHOWK UMARIYAPAN KATNI |
| City | Katni |
| District | Katni |
| State | Madhya Pradesh |
| STD Code | 91 |
| Phone | 8878403452 |
About the Mpgb Umariyapan branch
The Mpgb Umariyapan branch of Bank of India is situated at JHANDA CHOWK UMARIYAPAN KATNI. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code BKID0MG1226 is used.
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 MPGB UMARIYAPAN of Bank of India — its own 11-character IFSC. The code BKID0MG1226 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 BKID0MG1226 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Mpgb Umariyapan branch
Once you have an account at Bank of India – MPGB UMARIYAPAN, the IFSC BKID0MG1226 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Mpgb Umariyapan branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8878403452.
- 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 BKID0MG1226
How to transfer money using IFSC BKID0MG1226
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 BKID0MG1226 across all three.
NEFT to Bank of India, MPGB UMARIYAPAN using IFSC BKID0MG1226
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 BKID0MG1226, and confirm that the system picks up Bank of India – MPGB UMARIYAPAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0MG1226
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 – MPGB UMARIYAPAN, ensure your bank's portal accepts IFSC BKID0MG1226 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of India MPGB UMARIYAPAN (IFSC BKID0MG1226)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0MG1226 in your mobile or internet banking app, and the money is credited to the MPGB UMARIYAPAN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0MG1226 for Bank of India – MPGB UMARIYAPAN, 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 – BKID0MG1226 | Yes – BKID0MG1226 | Yes – BKID0MG1226 |
For most retail customers crediting the Mpgb Umariyapan 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 MPGB UMARIYAPAN branch, the IFSC BKID0MG1226 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 BKID0MG1226
Bank of India customers can register for net banking and the bank's official mobile app once their account at the MPGB UMARIYAPAN 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 BKID0MG1226 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 & cheque-truncation details
Cheques drawn on the Mpgb Umariyapan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0MG1226 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – MPGB UMARIYAPAN:
- The IFSC is exactly BKID0MG1226 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 MPGB UMARIYAPAN 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 Mpgb Umariyapan branch
The branch is located at JHANDA CHOWK UMARIYAPAN KATNI, which puts it inside Katni, the broader Katni district, and the state of Madhya Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Mpgb Umariyapan branch” — the verified location pin for IFSC BKID0MG1226 should appear at the top of the results.
- Confirm the branch is open by calling 91-8878403452 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 BKID0MG1226 and your account number.
Verifying IFSC BKID0MG1226 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 BKID0MG1226 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8878403452.
- 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 Mpgb Umariyapan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0MG1226, however, work 24x7.
Branch address & contact
Bank of IndiaMpgb Umariyapan Branch
JHANDA CHOWK UMARIYAPAN KATNI
Katni, Madhya Pradesh
Phone: 91-8878403452
IFSC: BKID0MG1226
Frequently asked questions
Is IFSC BKID0MG1226 the same for all accounts at Mpgb Umariyapan branch?
Yes. The IFSC BKID0MG1226 is shared by every account held at Bank of India's Mpgb Umariyapan branch. Only the account number changes from customer to customer.
What is the phone number of Bank of India Mpgb Umariyapan branch?
You can reach the branch at 91-8878403452 during regular banking hours.
Where is Bank of India Mpgb Umariyapan branch located?
Bank of India's Mpgb Umariyapan branch is located at JHANDA CHOWK UMARIYAPAN KATNI, Katni, Madhya Pradesh.
How do I add Bank of India Mpgb Umariyapan as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0MG1226, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Bank of India Mpgb Umariyapan branch?
The IFSC code of Bank of India, Mpgb Umariyapan branch is BKID0MG1226. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using BKID0MG1226 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Mpgb Umariyapan reflect within 30 minutes.
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 Mpgb Umariyapan branch but serve different purposes.
Can I use IFSC BKID0MG1226 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0MG1226 to send funds instantly.
Summary
The IFSC code BKID0MG1226 belongs to Bank of India's MPGB UMARIYAPAN branch, located at JHANDA CHOWK UMARIYAPAN KATNI in KATNI, MADHYA 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.
