Below are the complete branch details for Bank of India, MANIKPIR branch, located in MANIKPIR DIST HOWRAH, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is BKID0004285. 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 BKID0004285 for Bank of India – MANIKPIR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, BKID0004285 is the IFSC of Bank of India's MANIKPIR branch. The format is fixed: BKID = bank code, 0 = reserved, 004285 = branch identifier.
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Manikpir branch in Manikpir Dist Howrah, West Bengal is part of this network and uses the IFSC code BKID0004285 for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Manikpir |
| IFSC Code | BKID0004285 |
| MICR Code | Refer to cheque leaf |
| Branch Address | P O BAN HARISHPURDISTRICT HOWRAH |
| City | Manikpir Dist Howrah |
| District | Manikpir Dist Howrah |
| State | West Bengal |
| STD Code | 3214 |
| Phone | 3214225226 |
Manikpir branch overview
Located at P O BAN HARISHPURDISTRICT HOWRAH, the Manikpir branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0004285 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 MANIKPIR of Bank of India — its own 11-character IFSC. The code BKID0004285 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 BKID0004285 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 Manikpir branch
Once you have an account at Bank of India – MANIKPIR, the IFSC BKID0004285 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 Manikpir branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3214-3214225226.
- 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 BKID0004285
How to transfer money using IFSC BKID0004285
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 BKID0004285 across all three.
How to use IFSC BKID0004285 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's MANIKPIR 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 BKID0004285.
- Confirm the bank name auto-populates as Bank of India and the branch as MANIKPIR.
- 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 MANIKPIR
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's MANIKPIR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004285 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 – MANIKPIR, use IMPS. With IFSC BKID0004285 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 BKID0004285 for Bank of India – MANIKPIR, 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 – BKID0004285 | Yes – BKID0004285 | Yes – BKID0004285 |
For most retail customers crediting the Manikpir 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 MANIKPIR branch, the IFSC BKID0004285 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 Manikpir 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 BKID0004285 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 BKID0004285 and the account number together uniquely identify the Manikpir branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC BKID0004285
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 – MANIKPIR, 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:
BKID0004285. - 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 Manikpir branch sits at P O BAN HARISHPURDISTRICT HOWRAH. If you are travelling from outside Manikpir Dist Howrah, search for the branch on a maps application using the bank name and locality, or call 3214-3214225226 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 BKID0004285 and your account number.
Verifying IFSC BKID0004285 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 BKID0004285 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 3214-3214225226.
- 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 Manikpir branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0004285, however, work 24x7.
Branch address & contact
Bank of IndiaManikpir Branch
P O BAN HARISHPURDISTRICT HOWRAH
Manikpir Dist Howrah, West Bengal
Phone: 3214-3214225226
IFSC: BKID0004285
Frequently asked questions
How quickly will an NEFT transfer using BKID0004285 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Manikpir reflect within 30 minutes.
Does Bank of India Manikpir branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 3214-3214225226 to confirm.
Where is Bank of India Manikpir branch located?
Bank of India's Manikpir branch is located at P O BAN HARISHPURDISTRICT HOWRAH, Manikpir Dist Howrah, West Bengal.
How do I add Bank of India Manikpir as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0004285, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC BKID0004285 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0004285 to send funds instantly.
What is the phone number of Bank of India Manikpir branch?
You can reach the branch at 3214-3214225226 during regular banking hours.
Is IFSC BKID0004285 the same for all accounts at Manikpir branch?
Yes. The IFSC BKID0004285 is shared by every account held at Bank of India's Manikpir branch. Only the account number changes from customer to customer.
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 Manikpir branch but serve different purposes.
Final notes
To recap: BKID0004285 is the IFSC code of Bank of India, MANIKPIR branch, in MANIKPIR DIST HOWRAH, WEST BENGAL. 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.
