If you are searching for the IFSC code of Bank of India, PATULI branch in KOLKATA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is BKID0004146. 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 PATULI branch, and detailed step-by-step guides for using the IFSC BKID0004146 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.
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 – PATULI is BKID0004146. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004146 map to this branch in KOLKATA, WEST BENGAL.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Patuli |
| IFSC Code | BKID0004146 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CO PREMISES OF MRS INDRANI HALDER 17 BAIPATULI TOWNSHIP BLOCK H KOLKATA |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| STD Code | 3324 |
| Phone | 360528 |
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Patuli branch in Kolkata, West Bengal is part of this network and uses the IFSC code BKID0004146 for all electronic settlement.
About this branch
The branch is located at CO PREMISES OF MRS INDRANI HALDER 17 BAIPATULI TOWNSHIP BLOCK H KOLKATA. 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 BKID0004146 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 PATULI of Bank of India — its own 11-character IFSC. The code BKID0004146 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 BKID0004146 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC BKID0004146
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 BKID0004146 across all three.
NEFT to Bank of India, PATULI using IFSC BKID0004146
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 BKID0004146, and confirm that the system picks up Bank of India – PATULI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PATULI
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's PATULI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004146 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India PATULI (IFSC BKID0004146)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0004146 in your mobile or internet banking app, and the money is credited to the PATULI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Patuli
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 BKID0004146:
- 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 PATULI is still linked to IFSC BKID0004146.
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.
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 PATULI branch, the IFSC BKID0004146 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.
Products and account variants supported
Every account opened at the Patuli branch is mapped to IFSC BKID0004146 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 BKID0004146.
Banking services available
The Patuli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3324-360528.
- 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 BKID0004146
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 BKID0004146 and the account number together uniquely identify the Patuli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Patuli 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 BKID0004146 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 – PATULI:
- The IFSC is exactly BKID0004146 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 PATULI 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 Patuli branch
The branch is located at CO PREMISES OF MRS INDRANI HALDER 17 BAIPATULI TOWNSHIP BLOCK H KOLKATA, 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 Patuli branch” — the verified location pin for IFSC BKID0004146 should appear at the top of the results.
- Confirm the branch is open by calling 3324-360528 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 BKID0004146 and your account number.
Verifying IFSC BKID0004146 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 BKID0004146 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 3324-360528.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Patuli 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 BKID0004146 continue to work without interruption.
Branch address & contact
Bank of IndiaPatuli Branch
CO PREMISES OF MRS INDRANI HALDER 17 BAIPATULI TOWNSHIP BLOCK H KOLKATA
Kolkata, West Bengal
Phone: 3324-360528
IFSC: BKID0004146
Frequently asked questions
Where is Bank of India Patuli branch located?
Bank of India's Patuli branch is located at CO PREMISES OF MRS INDRANI HALDER 17 BAIPATULI TOWNSHIP BLOCK H KOLKATA, Kolkata, West Bengal.
Can I use IFSC BKID0004146 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0004146 to send funds instantly.
What is the phone number of Bank of India Patuli branch?
You can reach the branch at 3324-360528 during regular banking hours.
How quickly will an NEFT transfer using BKID0004146 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Patuli reflect within 30 minutes.
Does Bank of India Patuli branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 3324-360528 to confirm.
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 Patuli branch but serve different purposes.
Is IFSC BKID0004146 the same for all accounts at Patuli branch?
Yes. The IFSC BKID0004146 is shared by every account held at Bank of India's Patuli branch. Only the account number changes from customer to customer.
Is IFSC BKID0004146 valid for NEFT and RTGS?
Yes. IFSC BKID0004146 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code BKID0004146 belongs to Bank of India's PATULI branch, located at CO PREMISES OF MRS INDRANI HALDER 17 BAIPATULI TOWNSHIP BLOCK H KOLKATA 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.
