Below are the complete branch details for Bank of India, KOMMUCHIKKALA branch, located in KOMMUCHIKKALA, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is BKID0009050. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case BKID0009050 for Bank of India – KOMMUCHIKKALA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – KOMMUCHIKKALA is BKID0009050. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 009050 map to this branch in KOMMUCHIKKALA, ANDHRA PRADESH.
About Bank of India
Bank of India operates a wide network of branches across India, including the Kommuchikkala branch in Kommuchikkala. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, BKID0009050.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Kommuchikkala |
| IFSC Code | BKID0009050 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DOOR NO 3 NEAR SAI BABA TEMPLE MAIN ROAD KOMMUCHIKKALA VILLAGE PODURU MANDAL WEST GODAVARI DIST |
| City | Kommuchikkala |
| District | West Godavari |
| State | Andhra Pradesh |
| STD Code | 91 |
| Phone | 8555018214 |
Kommuchikkala branch overview
Located at DOOR NO 3 NEAR SAI BABA TEMPLE MAIN ROAD KOMMUCHIKKALA VILLAGE PODURU MANDAL WEST GODAVARI DIST, the Kommuchikkala branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0009050 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 KOMMUCHIKKALA of Bank of India — its own 11-character IFSC. The code BKID0009050 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 BKID0009050 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 Kommuchikkala branch
Once you have an account at Bank of India – KOMMUCHIKKALA, the IFSC BKID0009050 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 Kommuchikkala branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8555018214.
- 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 BKID0009050
How to transfer money using IFSC BKID0009050
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 BKID0009050 across all three.
How to use IFSC BKID0009050 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's KOMMUCHIKKALA 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 BKID0009050.
- Confirm the bank name auto-populates as Bank of India and the branch as KOMMUCHIKKALA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BKID0009050
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Bank of India – KOMMUCHIKKALA, ensure your bank's portal accepts IFSC BKID0009050 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – KOMMUCHIKKALA, use IMPS. With IFSC BKID0009050 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 BKID0009050 for Bank of India – KOMMUCHIKKALA, 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 – BKID0009050 | Yes – BKID0009050 | Yes – BKID0009050 |
For most retail customers crediting the Kommuchikkala 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 KOMMUCHIKKALA branch, the IFSC BKID0009050 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.
Online banking and IFSC BKID0009050
Bank of India customers can register for net banking and the bank's official mobile app once their account at the KOMMUCHIKKALA 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 BKID0009050 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 & cheque-truncation details
Cheques drawn on the Kommuchikkala branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0009050 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC BKID0009050
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Bank of India – KOMMUCHIKKALA, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
BKID0009050. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Kommuchikkala branch sits at DOOR NO 3 NEAR SAI BABA TEMPLE MAIN ROAD KOMMUCHIKKALA VILLAGE PODURU MANDAL WEST GODAVARI DIST. If you are travelling from outside Kommuchikkala, search for the branch on a maps application using the bank name and locality, or call 91-8555018214 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 BKID0009050 and your account number.
Verifying IFSC BKID0009050 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 BKID0009050 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8555018214.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Kommuchikkala branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0009050, however, work 24x7.
Branch address & contact
Bank of IndiaKommuchikkala Branch
DOOR NO 3 NEAR SAI BABA TEMPLE MAIN ROAD KOMMUCHIKKALA VILLAGE PODURU MANDAL WEST GODAVARI DIST
Kommuchikkala, Andhra Pradesh
Phone: 91-8555018214
IFSC: BKID0009050
Frequently asked questions
Is IFSC BKID0009050 valid for NEFT and RTGS?
Yes. IFSC BKID0009050 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Bank of India Kommuchikkala branch located?
Bank of India's Kommuchikkala branch is located at DOOR NO 3 NEAR SAI BABA TEMPLE MAIN ROAD KOMMUCHIKKALA VILLAGE PODURU MANDAL WEST GODAVARI DIST, Kommuchikkala, Andhra Pradesh.
How do I add Bank of India Kommuchikkala as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0009050, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Bank of India Kommuchikkala branch?
You can reach the branch at 91-8555018214 during regular banking hours.
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 Kommuchikkala branch but serve different purposes.
Does Bank of India Kommuchikkala branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8555018214 to confirm.
How quickly will an NEFT transfer using BKID0009050 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Kommuchikkala reflect within 30 minutes.
Summary
The IFSC code BKID0009050 belongs to Bank of India's KOMMUCHIKKALA branch, located at DOOR NO 3 NEAR SAI BABA TEMPLE MAIN ROAD KOMMUCHIKKALA VILLAGE PODURU MANDAL… in KOMMUCHIKKALA, ANDHRA PRADESH. 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.
