This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, MORADABAD branch in MORADABAD. The 11-digit IFSC BKID0007800 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Bank of India at the MORADABAD location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – MORADABAD is BKID0007800. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 007800 map to this branch in MORADABAD, UTTAR PRADESH.
About Bank of India
Bank of India operates a wide network of branches across India, including the Moradabad branch in Moradabad. 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, BKID0007800.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Moradabad |
| IFSC Code | BKID0007800 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BINDAL COMPLEXCHOUMUKHAPUR TOWN HALL |
| City | Moradabad |
| District | Moradabad |
| State | Uttar Pradesh |
| STD Code | 591 |
| Phone | 5912316063 |
About this branch
The branch is located at BINDAL COMPLEXCHOUMUKHAPUR TOWN HALL. It serves the Moradabad 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 BKID0007800 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 MORADABAD of Bank of India — its own 11-character IFSC. The code BKID0007800 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 BKID0007800 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 Moradabad branch
Once you have an account at Bank of India – MORADABAD, the IFSC BKID0007800 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.
Products and services
Customers walking into the Moradabad branch can access most of Bank of India's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC BKID0007800
How to transfer money using IFSC BKID0007800
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 BKID0007800 across all three.
NEFT to Bank of India, MORADABAD using IFSC BKID0007800
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 BKID0007800, and confirm that the system picks up Bank of India – MORADABAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to MORADABAD
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's MORADABAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0007800 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 – MORADABAD, use IMPS. With IFSC BKID0007800 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 BKID0007800 for Bank of India – MORADABAD, 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 – BKID0007800 | Yes – BKID0007800 | Yes – BKID0007800 |
For most retail customers crediting the Moradabad 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.
UPI payments and IFSC BKID0007800
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 – MORADABAD is still mapped to IFSC BKID0007800. 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 BKID0007800 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Moradabad 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 BKID0007800 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 & cheque-truncation details
Cheques drawn on the Moradabad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0007800 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – MORADABAD:
- The IFSC is exactly BKID0007800 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 MORADABAD 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 Moradabad branch
The branch is located at BINDAL COMPLEXCHOUMUKHAPUR TOWN HALL, which puts it inside Moradabad, the broader Moradabad district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Moradabad branch” — the verified location pin for IFSC BKID0007800 should appear at the top of the results.
- Confirm the branch is open by calling 591-5912316063 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 BKID0007800 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0007800 for Bank of India – MORADABAD, 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 Moradabad 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 BKID0007800 continue to work without interruption.
Branch address & contact
Bank of IndiaMoradabad Branch
BINDAL COMPLEXCHOUMUKHAPUR TOWN HALL
Moradabad, Uttar Pradesh
Phone: 591-5912316063
IFSC: BKID0007800
Frequently asked questions
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 Moradabad branch but serve different purposes.
Is IFSC BKID0007800 valid for NEFT and RTGS?
Yes. IFSC BKID0007800 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Bank of India Moradabad branch located?
Bank of India's Moradabad branch is located at BINDAL COMPLEXCHOUMUKHAPUR TOWN HALL, Moradabad, Uttar Pradesh.
How quickly will an NEFT transfer using BKID0007800 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Moradabad reflect within 30 minutes.
Can I use IFSC BKID0007800 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0007800 to send funds instantly.
Is IFSC BKID0007800 the same for all accounts at Moradabad branch?
Yes. The IFSC BKID0007800 is shared by every account held at Bank of India's Moradabad branch. Only the account number changes from customer to customer.
How do I add Bank of India Moradabad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0007800, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: BKID0007800 is the IFSC code of Bank of India, MORADABAD branch, in MORADABAD, UTTAR PRADESH. 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.
