Use this page as a one-stop reference for everything related to Bank of India's KOCHAS branch in KOCHAS BIHAR, BIHAR. The branch's IFSC code BKID0005794 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 KOCHAS branch, the IFSC BKID0005794 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 005794 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 Kochas branch — IFSC BKID0005794 — extends the bank's services to customers in and around Kochas Bihar, Bihar.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Kochas |
| IFSC Code | BKID0005794 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MAA TARACHANDI MARKET COMPLEX 1ST FLOORMAIN ROAD KOCHAS BUXAR ROAD KOCHAS |
| City | Kochas Bihar |
| District | Kochas Bihar |
| State | Bihar |
| STD Code | 91 |
| Phone | 7485884859 |
About this branch
The branch is located at MAA TARACHANDI MARKET COMPLEX 1ST FLOORMAIN ROAD KOCHAS BUXAR ROAD KOCHAS. It serves the Kochas Bihar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Bank of India. The IFSC BKID0005794 is used to identify this branch on the RBI payments network.
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 KOCHAS of Bank of India — its own 11-character IFSC. The code BKID0005794 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 BKID0005794 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 Kochas branch
Once you have an account at Bank of India – KOCHAS, the IFSC BKID0005794 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 Kochas 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 BKID0005794
How to transfer money using IFSC BKID0005794
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 BKID0005794 across all three.
NEFT to Bank of India, KOCHAS using IFSC BKID0005794
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 BKID0005794, and confirm that the system picks up Bank of India – KOCHAS. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KOCHAS
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's KOCHAS branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0005794 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India KOCHAS (IFSC BKID0005794)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0005794 in your mobile or internet banking app, and the money is credited to the KOCHAS branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Kochas
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 BKID0005794:
- 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 KOCHAS is still linked to IFSC BKID0005794.
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.
UPI payments and IFSC BKID0005794
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 – KOCHAS is still mapped to IFSC BKID0005794. 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 BKID0005794 and the beneficiary's account number to complete the transfer.
Online banking and IFSC BKID0005794
Bank of India customers can register for net banking and the bank's official mobile app once their account at the KOCHAS 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 BKID0005794 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 BKID0005794 and the account number together uniquely identify the Kochas 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 – KOCHAS:
- The IFSC is exactly BKID0005794 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 KOCHAS 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 Kochas branch sits at MAA TARACHANDI MARKET COMPLEX 1ST FLOORMAIN ROAD KOCHAS BUXAR ROAD KOCHAS. If you are travelling from outside Kochas Bihar, search for the branch on a maps application using the bank name and locality, or call 91-7485884859 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 BKID0005794 and your account number.
Verifying IFSC BKID0005794 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 BKID0005794 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7485884859.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kochas 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 BKID0005794 continue to work without interruption.
Branch address & contact
Bank of IndiaKochas Branch
MAA TARACHANDI MARKET COMPLEX 1ST FLOORMAIN ROAD KOCHAS BUXAR ROAD KOCHAS
Kochas Bihar, Bihar
Phone: 91-7485884859
IFSC: BKID0005794
Frequently asked questions
Is IFSC BKID0005794 valid for NEFT and RTGS?
Yes. IFSC BKID0005794 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC BKID0005794 the same for all accounts at Kochas branch?
Yes. The IFSC BKID0005794 is shared by every account held at Bank of India's Kochas branch. Only the account number changes from customer to customer.
Where is Bank of India Kochas branch located?
Bank of India's Kochas branch is located at MAA TARACHANDI MARKET COMPLEX 1ST FLOORMAIN ROAD KOCHAS BUXAR ROAD KOCHAS, Kochas Bihar, Bihar.
Can I use IFSC BKID0005794 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0005794 to send funds instantly.
What is the phone number of Bank of India Kochas branch?
You can reach the branch at 91-7485884859 during regular banking hours.
How quickly will an NEFT transfer using BKID0005794 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Kochas reflect within 30 minutes.
Does Bank of India Kochas branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7485884859 to confirm.
How do I add Bank of India Kochas as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0005794, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code BKID0005794 belongs to Bank of India's KOCHAS branch, located at MAA TARACHANDI MARKET COMPLEX 1ST FLOORMAIN ROAD KOCHAS BUXAR ROAD KOCHAS in KOCHAS BIHAR, BIHAR. 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.
