If you are searching for the IFSC code of Bank of India, CIT NEW ROAD branch in KOLKATA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is BKID0004006. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the CIT NEW ROAD branch, and detailed step-by-step guides for using the IFSC BKID0004006 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 CIT NEW ROAD branch, the IFSC BKID0004006 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 004006 identifies this particular branch.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Cit New Road |
| IFSC Code | BKID0004006 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PLOT NO 12SCHEME NO 52 |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| STD Code | 2246 |
| Phone | 447375 |
Bank profile
Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Cit New Road branch — IFSC BKID0004006 — extends the bank's services to customers in and around Kolkata, West Bengal.
About this branch
The branch is located at PLOT NO 12SCHEME NO 52. It serves the Kolkata 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 BKID0004006 is used to identify this branch on the RBI payments network.
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 CIT NEW ROAD branch came to be assigned the code BKID0004006.
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 BKID0004006, money simply cannot be routed to the CIT NEW ROAD branch electronically.
How to transfer money using IFSC BKID0004006
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 BKID0004006 across all three.
How to use IFSC BKID0004006 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's CIT NEW ROAD 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC BKID0004006.
- Confirm the bank name auto-populates as Bank of India and the branch as CIT NEW ROAD.
- 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 CIT NEW ROAD
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's CIT NEW ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004006 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 – CIT NEW ROAD, use IMPS. With IFSC BKID0004006 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 BKID0004006 for Bank of India – CIT NEW ROAD, 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 – BKID0004006 | Yes – BKID0004006 | Yes – BKID0004006 |
For most retail customers crediting the Cit New Road 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 CIT NEW ROAD branch, the IFSC BKID0004006 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.
Account types you can open at the Cit New Road branch
Once you have an account at Bank of India – CIT NEW ROAD, the IFSC BKID0004006 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 Cit New Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2246-447375.
- 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 BKID0004006
MICR & cheque-truncation details
Cheques drawn on the Cit New Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0004006 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Cit New Road branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC BKID0004006 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
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 – CIT NEW ROAD:
- The IFSC is exactly BKID0004006 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 CIT NEW ROAD 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 Cit New Road branch sits at PLOT NO 12SCHEME NO 52. If you are travelling from outside Kolkata, search for the branch on a maps application using the bank name and locality, or call 2246-447375 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 BKID0004006 and your account number.
Verifying IFSC BKID0004006 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 BKID0004006 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2246-447375.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Cit New Road 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 BKID0004006 continue to work without interruption.
Branch address & contact
Bank of IndiaCit New Road Branch
PLOT NO 12SCHEME NO 52
Kolkata, West Bengal
Phone: 2246-447375
IFSC: BKID0004006
Frequently asked questions
How quickly will an NEFT transfer using BKID0004006 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Cit New Road reflect within 30 minutes.
Does Bank of India Cit New Road branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2246-447375 to confirm.
Can I use IFSC BKID0004006 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0004006 to send funds instantly.
What is the phone number of Bank of India Cit New Road branch?
You can reach the branch at 2246-447375 during regular banking hours.
Is IFSC BKID0004006 valid for NEFT and RTGS?
Yes. IFSC BKID0004006 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Bank of India Cit New Road as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0004006, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC BKID0004006 the same for all accounts at Cit New Road branch?
Yes. The IFSC BKID0004006 is shared by every account held at Bank of India's Cit New Road branch. Only the account number changes from customer to customer.
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 Cit New Road branch but serve different purposes.
Summary
The IFSC code BKID0004006 belongs to Bank of India's CIT NEW ROAD branch, located at PLOT NO 12SCHEME NO 52 in KOLKATA, WEST BENGAL. 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.
