Use this page as a one-stop reference for everything related to Bank of India's LUDHIANA SSI branch in LUDHIANA, PUNJAB. The branch's IFSC code BKID0006529 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.
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 – LUDHIANA SSI is BKID0006529. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 006529 map to this branch in LUDHIANA, PUNJAB.
About Bank of India
Bank of India operates a wide network of branches across India, including the Ludhiana SSI branch in Ludhiana. 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, BKID0006529.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Ludhiana SSI |
| IFSC Code | BKID0006529 |
| MICR Code | Refer to cheque leaf |
| Branch Address | LUDHIANA SSI BRANCH223 INDUSTRIAL AREA A |
| City | Ludhiana |
| District | Ludhiana |
| State | Punjab |
| STD Code | 161 |
| Phone | 1612601233 |
Ludhiana SSI branch overview
Located at LUDHIANA SSI BRANCH223 INDUSTRIAL AREA A, the Ludhiana SSI branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0006529 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 LUDHIANA SSI of Bank of India — its own 11-character IFSC. The code BKID0006529 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 BKID0006529 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Ludhiana SSI branch is mapped to IFSC BKID0006529 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 BKID0006529.
Banking services available
The Ludhiana SSI branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 161-1612601233.
- 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 BKID0006529
How to transfer money using IFSC BKID0006529
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 BKID0006529 across all three.
NEFT to Bank of India, LUDHIANA SSI using IFSC BKID0006529
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 BKID0006529, and confirm that the system picks up Bank of India – LUDHIANA SSI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0006529
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 – LUDHIANA SSI, ensure your bank's portal accepts IFSC BKID0006529 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of India LUDHIANA SSI (IFSC BKID0006529)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0006529 in your mobile or internet banking app, and the money is credited to the LUDHIANA SSI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0006529 for Bank of India – LUDHIANA SSI, 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 – BKID0006529 | Yes – BKID0006529 | Yes – BKID0006529 |
For most retail customers crediting the Ludhiana SSI 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 LUDHIANA SSI branch, the IFSC BKID0006529 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.
Digital banking channels
Most day-to-day work that customers used to do at the Ludhiana SSI 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 BKID0006529 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.
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 BKID0006529 and the account number together uniquely identify the Ludhiana SSI 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 – LUDHIANA SSI:
- The IFSC is exactly BKID0006529 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 LUDHIANA SSI 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 Ludhiana SSI branch
The branch is located at LUDHIANA SSI BRANCH223 INDUSTRIAL AREA A, which puts it inside Ludhiana, the broader Ludhiana district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Ludhiana SSI branch” — the verified location pin for IFSC BKID0006529 should appear at the top of the results.
- Confirm the branch is open by calling 161-1612601233 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 BKID0006529 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0006529 for Bank of India – LUDHIANA SSI, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Working hours
Branch counters at Ludhiana SSI 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 BKID0006529 continue to work without interruption.
Branch address & contact
Bank of IndiaLudhiana SSI Branch
LUDHIANA SSI BRANCH223 INDUSTRIAL AREA A
Ludhiana, Punjab
Phone: 161-1612601233
IFSC: BKID0006529
Frequently asked questions
Is IFSC BKID0006529 the same for all accounts at Ludhiana SSI branch?
Yes. The IFSC BKID0006529 is shared by every account held at Bank of India's Ludhiana SSI branch. Only the account number changes from customer to customer.
What is the phone number of Bank of India Ludhiana SSI branch?
You can reach the branch at 161-1612601233 during regular banking hours.
Does Bank of India Ludhiana SSI branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 161-1612601233 to confirm.
Can I use IFSC BKID0006529 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0006529 to send funds instantly.
How do I add Bank of India Ludhiana SSI as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0006529, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Ludhiana SSI branch but serve different purposes.
How quickly will an NEFT transfer using BKID0006529 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Ludhiana SSI reflect within 30 minutes.
Where is Bank of India Ludhiana SSI branch located?
Bank of India's Ludhiana SSI branch is located at LUDHIANA SSI BRANCH223 INDUSTRIAL AREA A, Ludhiana, Punjab.
Final notes
To recap: BKID0006529 is the IFSC code of Bank of India, LUDHIANA SSI branch, in LUDHIANA, PUNJAB. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
