If you are searching for the IFSC code of Bank of India, MALANCHA branch in KOLKATA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is BKID0004129. 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 MALANCHA branch, and detailed step-by-step guides for using the IFSC BKID0004129 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, BKID0004129 is the IFSC of Bank of India's MALANCHA branch. The format is fixed: BKID = bank code, 0 = reserved, 004129 = branch identifier.
Bank profile
Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Malancha branch — IFSC BKID0004129 — extends the bank's services to customers in and around Kolkata, West Bengal.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Malancha |
| IFSC Code | BKID0004129 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL MADARI MALANCHA PO MALANCHA PS MDIST NORTH 24 PARGANAS |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| STD Code | 91 |
| Phone | 9638576247 |
About the Malancha branch
The Malancha branch of Bank of India is situated at VILL MADARI MALANCHA PO MALANCHA PS MDIST NORTH 24 PARGANAS. 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 BKID0004129 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 MALANCHA of Bank of India — its own 11-character IFSC. The code BKID0004129 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 BKID0004129 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 Malancha branch
Once you have an account at Bank of India – MALANCHA, the IFSC BKID0004129 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 Malancha 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 BKID0004129
How to transfer money using IFSC BKID0004129
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 BKID0004129 across all three.
NEFT to Bank of India, MALANCHA using IFSC BKID0004129
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 BKID0004129, and confirm that the system picks up Bank of India – MALANCHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to MALANCHA
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's MALANCHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004129 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 – MALANCHA, use IMPS. With IFSC BKID0004129 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 BKID0004129 for Bank of India – MALANCHA, 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 – BKID0004129 | Yes – BKID0004129 | Yes – BKID0004129 |
For most retail customers crediting the Malancha 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 BKID0004129
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 – MALANCHA is still mapped to IFSC BKID0004129. 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 BKID0004129 and the beneficiary's account number to complete the transfer.
Online banking and IFSC BKID0004129
Bank of India customers can register for net banking and the bank's official mobile app once their account at the MALANCHA 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 BKID0004129 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 BKID0004129 and the account number together uniquely identify the Malancha 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 – MALANCHA:
- The IFSC is exactly BKID0004129 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 MALANCHA 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 Malancha branch
The branch is located at VILL MADARI MALANCHA PO MALANCHA PS MDIST NORTH 24 PARGANAS, which puts it inside Kolkata, the broader Kolkata district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Malancha branch” — the verified location pin for IFSC BKID0004129 should appear at the top of the results.
- Confirm the branch is open by calling 91-9638576247 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 BKID0004129 and your account number.
Verifying IFSC BKID0004129 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 BKID0004129 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9638576247.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Malancha 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 BKID0004129 continue to work without interruption.
Branch address & contact
Bank of IndiaMalancha Branch
VILL MADARI MALANCHA PO MALANCHA PS MDIST NORTH 24 PARGANAS
Kolkata, West Bengal
Phone: 91-9638576247
IFSC: BKID0004129
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 Malancha branch but serve different purposes.
How quickly will an NEFT transfer using BKID0004129 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Malancha reflect within 30 minutes.
What is the phone number of Bank of India Malancha branch?
You can reach the branch at 91-9638576247 during regular banking hours.
Is IFSC BKID0004129 valid for NEFT and RTGS?
Yes. IFSC BKID0004129 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC BKID0004129 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0004129 to send funds instantly.
How do I add Bank of India Malancha as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0004129, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Bank of India Malancha branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9638576247 to confirm.
Summary
The IFSC code BKID0004129 belongs to Bank of India's MALANCHA branch, located at VILL MADARI MALANCHA PO MALANCHA PS MDIST NORTH 24 PARGANAS 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.
