This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, KAVALAKARANPATTI branch in KAVALAKARANPATTI DISTKARUR. The 11-digit IFSC BKID0008318 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 KAVALAKARANPATTI 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 – KAVALAKARANPATTI is BKID0008318. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 008318 map to this branch in KAVALAKARANPATTI DISTKARUR, TAMIL NADU.
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kavalakaranpatti branch in Kavalakaranpatti Distkarur, Tamil Nadu is part of this network and uses the IFSC code BKID0008318 for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Kavalakaranpatti |
| IFSC Code | BKID0008318 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VADASERI NAGAMMAL BLDGKAVALAKARANPATTI POTHOGAMALAI VIAKULITHALAI TALUKDIST KARUR |
| City | Kavalakaranpatti Distkarur |
| District | Kavalakaranpatti Distkarur |
| State | Tamil Nadu |
| STD Code | 4323 |
| Phone | 4323254244 |
Kavalakaranpatti branch overview
Located at VADASERI NAGAMMAL BLDGKAVALAKARANPATTI POTHOGAMALAI VIAKULITHALAI TALUKDIST KARUR, the Kavalakaranpatti branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0008318 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 KAVALAKARANPATTI branch came to be assigned the code BKID0008318.
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 BKID0008318, money simply cannot be routed to the KAVALAKARANPATTI branch electronically.
Products and account variants supported
Every account opened at the Kavalakaranpatti branch is mapped to IFSC BKID0008318 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 BKID0008318.
Products and services
Customers walking into the Kavalakaranpatti 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 BKID0008318
How to transfer money using IFSC BKID0008318
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 BKID0008318 across all three.
NEFT to Bank of India, KAVALAKARANPATTI using IFSC BKID0008318
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 BKID0008318, and confirm that the system picks up Bank of India – KAVALAKARANPATTI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0008318
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 – KAVALAKARANPATTI, ensure your bank's portal accepts IFSC BKID0008318 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of India KAVALAKARANPATTI (IFSC BKID0008318)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0008318 in your mobile or internet banking app, and the money is credited to the KAVALAKARANPATTI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0008318 for Bank of India – KAVALAKARANPATTI, 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 – BKID0008318 | Yes – BKID0008318 | Yes – BKID0008318 |
For most retail customers crediting the Kavalakaranpatti 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 BKID0008318
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 – KAVALAKARANPATTI is still mapped to IFSC BKID0008318. 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 BKID0008318 and the beneficiary's account number to complete the transfer.
Online banking and IFSC BKID0008318
Bank of India customers can register for net banking and the bank's official mobile app once their account at the KAVALAKARANPATTI 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 BKID0008318 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 Kavalakaranpatti branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0008318 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 – KAVALAKARANPATTI:
- The IFSC is exactly BKID0008318 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 KAVALAKARANPATTI 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 Kavalakaranpatti branch sits at VADASERI NAGAMMAL BLDGKAVALAKARANPATTI POTHOGAMALAI VIAKULITHALAI TALUKDIST KARUR. If you are travelling from outside Kavalakaranpatti Distkarur, search for the branch on a maps application using the bank name and locality, or call 4323-4323254244 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 BKID0008318 and your account number.
Verifying IFSC BKID0008318 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 BKID0008318 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4323-4323254244.
- 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 Kavalakaranpatti branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0008318, however, work 24x7.
Branch address & contact
Bank of IndiaKavalakaranpatti Branch
VADASERI NAGAMMAL BLDGKAVALAKARANPATTI POTHOGAMALAI VIAKULITHALAI TALUKDIST KARUR
Kavalakaranpatti Distkarur, Tamil Nadu
Phone: 4323-4323254244
IFSC: BKID0008318
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 Kavalakaranpatti branch but serve different purposes.
How do I add Bank of India Kavalakaranpatti as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0008318, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Bank of India Kavalakaranpatti branch?
The IFSC code of Bank of India, Kavalakaranpatti branch is BKID0008318. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC BKID0008318 the same for all accounts at Kavalakaranpatti branch?
Yes. The IFSC BKID0008318 is shared by every account held at Bank of India's Kavalakaranpatti branch. Only the account number changes from customer to customer.
Does Bank of India Kavalakaranpatti branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4323-4323254244 to confirm.
Where is Bank of India Kavalakaranpatti branch located?
Bank of India's Kavalakaranpatti branch is located at VADASERI NAGAMMAL BLDGKAVALAKARANPATTI POTHOGAMALAI VIAKULITHALAI TALUKDIST KARUR, Kavalakaranpatti Distkarur, Tamil Nadu.
How quickly will an NEFT transfer using BKID0008318 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Kavalakaranpatti reflect within 30 minutes.
Final notes
To recap: BKID0008318 is the IFSC code of Bank of India, KAVALAKARANPATTI branch, in KAVALAKARANPATTI DISTKARUR, TAMIL NADU. 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.
