IFSC Code of Bank of India, Khodapipar Branch, Gujarat

Use this page as a one-stop reference for everything related to Bank of India's KHODAPIPAR branch in KHODAPIPAR DIST RAJKOT, GUJARAT. The branch's IFSC code BKID0003106 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 KHODAPIPAR branch, the IFSC BKID0003106 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 003106 identifies this particular branch.

Bank profile

Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Khodapipar branch — IFSC BKID0003106 — extends the bank's services to customers in and around Khodapipar Dist Rajkot, Gujarat.

Branch details at a glance

Khodapipar branch overview

Located at AT KHODPIPARTALUKA PADDHARI DIST RAJKOT, the Khodapipar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0003106 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 KHODAPIPAR of Bank of India — its own 11-character IFSC. The code BKID0003106 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 BKID0003106 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 Khodapipar branch

Once you have an account at Bank of India – KHODAPIPAR, the IFSC BKID0003106 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.

Products and services

Customers walking into the Khodapipar 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 BKID0003106

How to transfer money using IFSC BKID0003106

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 BKID0003106 across all three.

How to use IFSC BKID0003106 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's KHODAPIPAR 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 BKID0003106.
4. Confirm the bank name auto-populates as Bank of India and the branch as KHODAPIPAR.
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 KHODAPIPAR

If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's KHODAPIPAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0003106 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Bank of India – KHODAPIPAR, use IMPS. With IFSC BKID0003106 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 BKID0003106 for Bank of India – KHODAPIPAR, 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.

For most retail customers crediting the Khodapipar 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 BKID0003106

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 – KHODAPIPAR is still mapped to IFSC BKID0003106. 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 BKID0003106 and the beneficiary's account number to complete the transfer.

Online banking and IFSC BKID0003106

Bank of India customers can register for net banking and the bank's official mobile app once their account at the KHODAPIPAR 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 BKID0003106 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 BKID0003106 and the account number together uniquely identify the Khodapipar 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 – KHODAPIPAR:

• The IFSC is exactly BKID0003106 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 KHODAPIPAR 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 Khodapipar branch

The branch is located at AT KHODPIPARTALUKA PADDHARI DIST RAJKOT, which puts it inside Khodapipar Dist Rajkot, the broader Khodapipar Dist Rajkot district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of India Khodapipar branch” — the verified location pin for IFSC BKID0003106 should appear at the top of the results.
2. Confirm the branch is open by calling 2820-2820281612 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 BKID0003106 and your account number.

Verifying IFSC BKID0003106 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 BKID0003106 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2820-2820281612.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Khodapipar 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 BKID0003106 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BKID0003106 belongs to Bank of India's KHODAPIPAR branch, located at AT KHODPIPARTALUKA PADDHARI DIST RAJKOT in KHODAPIPAR DIST RAJKOT, GUJARAT. 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.