If you are searching for the IFSC code of Bank of India, DIVISIONAL OFFICE LUDHIYANA branch in LUDHIYANA, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is BKID000DO58. 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 DIVISIONAL OFFICE LUDHIYANA branch, and detailed step-by-step guides for using the IFSC BKID000DO58 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 – DIVISIONAL OFFICE LUDHIYANA is BKID000DO58. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00DO58 map to this branch in LUDHIYANA, PUNJAB.
About Bank of India
Bank of India operates a wide network of branches across India, including the Divisional Office Ludhiyana branch in Ludhiyana. 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, BKID000DO58.
Divisional Office Ludhiyana branch overview
Located at DIVISIONAL OFFICE LU, the Divisional Office Ludhiyana branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID000DO58 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Divisional Office Ludhiyana |
| IFSC Code | BKID000DO58 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DIVISIONAL OFFICE LU |
| City | Ludhiyana |
| District | Ludhiyana |
| State | Punjab |
| STD Code | 91 |
| Phone | 7774045464 |
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 DIVISIONAL OFFICE LUDHIYANA of Bank of India — its own 11-character IFSC. The code BKID000DO58 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 BKID000DO58 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Divisional Office Ludhiyana branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID000DO58 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC BKID000DO58
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 BKID000DO58 across all three.
How to use IFSC BKID000DO58 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's DIVISIONAL OFFICE LUDHIYANA 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 BKID000DO58.
- Confirm the bank name auto-populates as Bank of India and the branch as DIVISIONAL OFFICE LUDHIYANA.
- 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 DIVISIONAL OFFICE LUDHIYANA
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's DIVISIONAL OFFICE LUDHIYANA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID000DO58 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India DIVISIONAL OFFICE LUDHIYANA (IFSC BKID000DO58)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID000DO58 in your mobile or internet banking app, and the money is credited to the DIVISIONAL OFFICE LUDHIYANA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Divisional Office Ludhiyana
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 BKID000DO58:
- 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 DIVISIONAL OFFICE LUDHIYANA is still linked to IFSC BKID000DO58.
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.
UPI payments and IFSC BKID000DO58
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 – DIVISIONAL OFFICE LUDHIYANA is still mapped to IFSC BKID000DO58. 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 BKID000DO58 and the beneficiary's account number to complete the transfer.
Account types you can open at the Divisional Office Ludhiyana branch
Once you have an account at Bank of India – DIVISIONAL OFFICE LUDHIYANA, the IFSC BKID000DO58 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 Divisional Office Ludhiyana branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7774045464.
- 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 BKID000DO58
Online banking and IFSC BKID000DO58
Bank of India customers can register for net banking and the bank's official mobile app once their account at the DIVISIONAL OFFICE LUDHIYANA 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 BKID000DO58 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.
Reaching the branch
The Divisional Office Ludhiyana branch sits at DIVISIONAL OFFICE LU. If you are travelling from outside Ludhiyana, search for the branch on a maps application using the bank name and locality, or call 91-7774045464 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 BKID000DO58 and your account number.
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 – DIVISIONAL OFFICE LUDHIYANA:
- The IFSC is exactly BKID000DO58 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 DIVISIONAL OFFICE LUDHIYANA 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.
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 Divisional Office Ludhiyana branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID000DO58, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID000DO58 for Bank of India – DIVISIONAL OFFICE LUDHIYANA, 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.
Branch address & contact
Bank of IndiaDivisional Office Ludhiyana Branch
DIVISIONAL OFFICE LU
Ludhiyana, Punjab
Phone: 91-7774045464
IFSC: BKID000DO58
Frequently asked questions
Where is Bank of India Divisional Office Ludhiyana branch located?
Bank of India's Divisional Office Ludhiyana branch is located at DIVISIONAL OFFICE LU, Ludhiyana, Punjab.
Does Bank of India Divisional Office Ludhiyana branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7774045464 to confirm.
Is IFSC BKID000DO58 valid for NEFT and RTGS?
Yes. IFSC BKID000DO58 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using BKID000DO58 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Divisional Office Ludhiyana reflect within 30 minutes.
What is the phone number of Bank of India Divisional Office Ludhiyana branch?
You can reach the branch at 91-7774045464 during regular banking hours.
What is the IFSC code of Bank of India Divisional Office Ludhiyana branch?
The IFSC code of Bank of India, Divisional Office Ludhiyana branch is BKID000DO58. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Bank of India Divisional Office Ludhiyana as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID000DO58, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC BKID000DO58 the same for all accounts at Divisional Office Ludhiyana branch?
Yes. The IFSC BKID000DO58 is shared by every account held at Bank of India's Divisional Office Ludhiyana branch. Only the account number changes from customer to customer.
Summary
The IFSC code BKID000DO58 belongs to Bank of India's DIVISIONAL OFFICE LUDHIYANA branch, located at DIVISIONAL OFFICE LU in LUDHIYANA, PUNJAB. 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.
