If you are searching for the IFSC code of Bank of India, BHANDUP WEST branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is BKID0000135. 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 BHANDUP WEST branch, and detailed step-by-step guides for using the IFSC BKID0000135 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.
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, BKID0000135 is the IFSC of Bank of India's BHANDUP WEST branch. The format is fixed: BKID = bank code, 0 = reserved, 000135 = branch identifier.
About Bank of India
Bank of India operates a wide network of branches across India, including the Bhandup West branch in Mumbai. 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, BKID0000135.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Bhandup West |
| IFSC Code | BKID0000135 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO 1 A WING ANIRAJ TOWERS CHS LTDJANTA MARKET L B S MARG BHANDUP W |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 2596255625 |
About this branch
The branch is located at SHOP NO 1 A WING ANIRAJ TOWERS CHS LTDJANTA MARKET L B S MARG BHANDUP W. It serves the Mumbai 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 BKID0000135 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 BHANDUP WEST of Bank of India — its own 11-character IFSC. The code BKID0000135 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 BKID0000135 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 Bhandup West branch
Once you have an account at Bank of India – BHANDUP WEST, the IFSC BKID0000135 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 Bhandup West 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 BKID0000135
How to transfer money using IFSC BKID0000135
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 BKID0000135 across all three.
How to use IFSC BKID0000135 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's BHANDUP WEST 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 BKID0000135.
- Confirm the bank name auto-populates as Bank of India and the branch as BHANDUP WEST.
- 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 BHANDUP WEST
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's BHANDUP WEST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0000135 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India BHANDUP WEST (IFSC BKID0000135)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0000135 in your mobile or internet banking app, and the money is credited to the BHANDUP WEST branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0000135 for Bank of India – BHANDUP WEST, 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 – BKID0000135 | Yes – BKID0000135 | Yes – BKID0000135 |
For most retail customers crediting the Bhandup West 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 BKID0000135
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 – BHANDUP WEST is still mapped to IFSC BKID0000135. 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 BKID0000135 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 Bhandup West 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 BKID0000135 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 Bhandup West branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0000135 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 BKID0000135
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 – BHANDUP WEST, 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:
BKID0000135. - 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.
How to reach the Bhandup West branch
The branch is located at SHOP NO 1 A WING ANIRAJ TOWERS CHS LTDJANTA MARKET L B S MARG BHANDUP W, which puts it inside Mumbai, the broader Mumbai district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Bhandup West branch” — the verified location pin for IFSC BKID0000135 should appear at the top of the results.
- Confirm the branch is open by calling 22-2596255625 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 BKID0000135 and your account number.
Verifying IFSC BKID0000135 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 BKID0000135 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-2596255625.
- 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 Bhandup West branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0000135, however, work 24x7.
Branch address & contact
Bank of IndiaBhandup West Branch
SHOP NO 1 A WING ANIRAJ TOWERS CHS LTDJANTA MARKET L B S MARG BHANDUP W
Mumbai, Maharashtra
Phone: 22-2596255625
IFSC: BKID0000135
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 Bhandup West branch but serve different purposes.
Is IFSC BKID0000135 the same for all accounts at Bhandup West branch?
Yes. The IFSC BKID0000135 is shared by every account held at Bank of India's Bhandup West branch. Only the account number changes from customer to customer.
Can I use IFSC BKID0000135 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0000135 to send funds instantly.
How quickly will an NEFT transfer using BKID0000135 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Bhandup West reflect within 30 minutes.
Does Bank of India Bhandup West branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-2596255625 to confirm.
Where is Bank of India Bhandup West branch located?
Bank of India's Bhandup West branch is located at SHOP NO 1 A WING ANIRAJ TOWERS CHS LTDJANTA MARKET L B S MARG BHANDUP W, Mumbai, Maharashtra.
Summary
The IFSC code BKID0000135 belongs to Bank of India's BHANDUP WEST branch, located at SHOP NO 1 A WING ANIRAJ TOWERS CHS LTDJANTA MARKET L B S MARG BHANDUP W in MUMBAI, MAHARASHTRA. 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.
