This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, MULAKULAM SOUTH branch in MULAKULAM DIST KOTTAYAM. The 11-digit IFSC BKID0008545 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 MULAKULAM SOUTH 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 – MULAKULAM SOUTH is BKID0008545. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 008545 map to this branch in MULAKULAM DIST KOTTAYAM, KERALA.
About Bank of India
Bank of India operates a wide network of branches across India, including the Mulakulam South branch in Mulakulam Dist Kottayam. 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, BKID0008545.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Mulakulam South |
| IFSC Code | BKID0008545 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PULIYANMADAM BUILDING 1ST FLOORNEAR SREELAKSHMANA TEMPLEDIST KOTTAYAM |
| City | Mulakulam Dist Kottayam |
| District | Mulakulam Dist Kottayam |
| State | Kerala |
| STD Code | 4829 |
| Phone | 4829251412 |
Mulakulam South branch overview
Located at PULIYANMADAM BUILDING 1ST FLOORNEAR SREELAKSHMANA TEMPLEDIST KOTTAYAM, the Mulakulam South branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0008545 is required for all interbank electronic transfers routed through this branch.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Bank of India's MULAKULAM SOUTH branch came to be assigned the code BKID0008545.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC BKID0008545, money simply cannot be routed to the MULAKULAM SOUTH branch electronically.
Products and account variants supported
Every account opened at the Mulakulam South branch is mapped to IFSC BKID0008545 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 BKID0008545.
Products and services
Customers walking into the Mulakulam South 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 BKID0008545
How to transfer money using IFSC BKID0008545
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 BKID0008545 across all three.
How to use IFSC BKID0008545 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's MULAKULAM SOUTH 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 BKID0008545.
- Confirm the bank name auto-populates as Bank of India and the branch as MULAKULAM SOUTH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BKID0008545
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 – MULAKULAM SOUTH, ensure your bank's portal accepts IFSC BKID0008545 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of India MULAKULAM SOUTH (IFSC BKID0008545)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0008545 in your mobile or internet banking app, and the money is credited to the MULAKULAM SOUTH branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Mulakulam South
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 BKID0008545:
- 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 MULAKULAM SOUTH is still linked to IFSC BKID0008545.
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 BKID0008545
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 – MULAKULAM SOUTH is still mapped to IFSC BKID0008545. 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 BKID0008545 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 Mulakulam South 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 BKID0008545 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 Mulakulam South branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0008545 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 BKID0008545
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 – MULAKULAM SOUTH, 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:
BKID0008545. - 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 Mulakulam South branch sits at PULIYANMADAM BUILDING 1ST FLOORNEAR SREELAKSHMANA TEMPLEDIST KOTTAYAM. If you are travelling from outside Mulakulam Dist Kottayam, search for the branch on a maps application using the bank name and locality, or call 4829-4829251412 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 BKID0008545 and your account number.
Verifying IFSC BKID0008545 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 BKID0008545 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4829-4829251412.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Mulakulam South 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 BKID0008545 continue to work without interruption.
Branch address & contact
Bank of IndiaMulakulam South Branch
PULIYANMADAM BUILDING 1ST FLOORNEAR SREELAKSHMANA TEMPLEDIST KOTTAYAM
Mulakulam Dist Kottayam, Kerala
Phone: 4829-4829251412
IFSC: BKID0008545
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 Mulakulam South branch but serve different purposes.
Where is Bank of India Mulakulam South branch located?
Bank of India's Mulakulam South branch is located at PULIYANMADAM BUILDING 1ST FLOORNEAR SREELAKSHMANA TEMPLEDIST KOTTAYAM, Mulakulam Dist Kottayam, Kerala.
How quickly will an NEFT transfer using BKID0008545 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Mulakulam South reflect within 30 minutes.
Is IFSC BKID0008545 valid for NEFT and RTGS?
Yes. IFSC BKID0008545 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Bank of India Mulakulam South branch?
The IFSC code of Bank of India, Mulakulam South branch is BKID0008545. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC BKID0008545 the same for all accounts at Mulakulam South branch?
Yes. The IFSC BKID0008545 is shared by every account held at Bank of India's Mulakulam South branch. Only the account number changes from customer to customer.
How do I add Bank of India Mulakulam South as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0008545, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code BKID0008545 belongs to Bank of India's MULAKULAM SOUTH branch, located at PULIYANMADAM BUILDING 1ST FLOORNEAR SREELAKSHMANA TEMPLEDIST KOTTAYAM in MULAKULAM DIST KOTTAYAM, KERALA. 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.
