Below are the complete branch details for Bank of India, LINK ROAD MALAD WEST branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is BKID0000127. 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 BKID0000127 for Bank of India – LINK ROAD MALAD WEST — 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, BKID0000127 is the IFSC of Bank of India's LINK ROAD MALAD WEST branch. The format is fixed: BKID = bank code, 0 = reserved, 000127 = 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 Link Road Malad West branch in Mumbai, Maharashtra is part of this network and uses the IFSC code BKID0000127 for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Link Road Malad West |
| IFSC Code | BKID0000127 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KESHAV SHRUSHTI SHOP NO 7LINK ROAD MALAD WEST |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 28765373 |
About this branch
The branch is located at KESHAV SHRUSHTI SHOP NO 7LINK ROAD MALAD WEST. 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 BKID0000127 is used to identify this branch on the RBI payments network.
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 LINK ROAD MALAD WEST branch came to be assigned the code BKID0000127.
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 BKID0000127, money simply cannot be routed to the LINK ROAD MALAD WEST branch electronically.
Products and account variants supported
Every account opened at the Link Road Malad West branch is mapped to IFSC BKID0000127 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 BKID0000127.
Products and services
Customers walking into the Link Road Malad 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 BKID0000127
How to transfer money using IFSC BKID0000127
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 BKID0000127 across all three.
How to use IFSC BKID0000127 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's LINK ROAD MALAD 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 BKID0000127.
- Confirm the bank name auto-populates as Bank of India and the branch as LINK ROAD MALAD 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 LINK ROAD MALAD WEST
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's LINK ROAD MALAD WEST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0000127 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 – LINK ROAD MALAD WEST, use IMPS. With IFSC BKID0000127 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 BKID0000127 for Bank of India – LINK ROAD MALAD 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 – BKID0000127 | Yes – BKID0000127 | Yes – BKID0000127 |
For most retail customers crediting the Link Road Malad 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 BKID0000127
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 – LINK ROAD MALAD WEST is still mapped to IFSC BKID0000127. 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 BKID0000127 and the beneficiary's account number to complete the transfer.
Online banking and IFSC BKID0000127
Bank of India customers can register for net banking and the bank's official mobile app once their account at the LINK ROAD MALAD WEST 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 BKID0000127 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.
MICR & cheque-truncation details
Cheques drawn on the Link Road Malad West branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0000127 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 – LINK ROAD MALAD WEST:
- The IFSC is exactly BKID0000127 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 LINK ROAD MALAD WEST 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.
Reaching the branch
The Link Road Malad West branch sits at KESHAV SHRUSHTI SHOP NO 7LINK ROAD MALAD WEST. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-28765373 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 BKID0000127 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0000127 for Bank of India – LINK ROAD MALAD WEST, 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 Link Road Malad West 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 BKID0000127 continue to work without interruption.
Branch address & contact
Bank of IndiaLink Road Malad West Branch
KESHAV SHRUSHTI SHOP NO 7LINK ROAD MALAD WEST
Mumbai, Maharashtra
Phone: 22-28765373
IFSC: BKID0000127
Frequently asked questions
How do I add Bank of India Link Road Malad West as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0000127, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using BKID0000127 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Link Road Malad West reflect within 30 minutes.
What is the phone number of Bank of India Link Road Malad West branch?
You can reach the branch at 22-28765373 during regular banking hours.
Can I use IFSC BKID0000127 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0000127 to send funds instantly.
Is IFSC BKID0000127 valid for NEFT and RTGS?
Yes. IFSC BKID0000127 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Bank of India Link Road Malad West branch located?
Bank of India's Link Road Malad West branch is located at KESHAV SHRUSHTI SHOP NO 7LINK ROAD MALAD WEST, Mumbai, Maharashtra.
Summary
The IFSC code BKID0000127 belongs to Bank of India's LINK ROAD MALAD WEST branch, located at KESHAV SHRUSHTI SHOP NO 7LINK ROAD MALAD WEST 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.
