Below are the complete branch details for Bank of India, NEPEAN SEA ROAD branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is BKID0000064. 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 BKID0000064 for Bank of India – NEPEAN SEA ROAD — 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, BKID0000064 is the IFSC of Bank of India's NEPEAN SEA ROAD branch. The format is fixed: BKID = bank code, 0 = reserved, 000064 = branch identifier.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Nepean Sea Road |
| IFSC Code | BKID0000064 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 66 NEPEAN SEA ROADLAXMIBAI JAGMOHANDAS MARG |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 3690718 |
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nepean Sea Road branch in Mumbai, Maharashtra is part of this network and uses the IFSC code BKID0000064 for all electronic settlement.
Nepean Sea Road branch overview
Located at 66 NEPEAN SEA ROADLAXMIBAI JAGMOHANDAS MARG, the Nepean Sea Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0000064 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 NEPEAN SEA ROAD of Bank of India — its own 11-character IFSC. The code BKID0000064 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 BKID0000064 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC BKID0000064
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 BKID0000064 across all three.
NEFT to Bank of India, NEPEAN SEA ROAD using IFSC BKID0000064
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 BKID0000064, and confirm that the system picks up Bank of India – NEPEAN SEA ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NEPEAN SEA ROAD
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's NEPEAN SEA ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0000064 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India NEPEAN SEA ROAD (IFSC BKID0000064)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0000064 in your mobile or internet banking app, and the money is credited to the NEPEAN SEA ROAD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0000064 for Bank of India – NEPEAN SEA ROAD, 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 – BKID0000064 | Yes – BKID0000064 | Yes – BKID0000064 |
For most retail customers crediting the Nepean Sea Road 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 BKID0000064
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 – NEPEAN SEA ROAD is still mapped to IFSC BKID0000064. 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 BKID0000064 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Nepean Sea Road branch is mapped to IFSC BKID0000064 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 BKID0000064.
Banking services available
The Nepean Sea Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-3690718.
- 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 BKID0000064
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 BKID0000064 and the account number together uniquely identify the Nepean Sea Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Nepean Sea Road 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 BKID0000064 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.
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 – NEPEAN SEA ROAD:
- The IFSC is exactly BKID0000064 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 NEPEAN SEA ROAD 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 Nepean Sea Road branch
The branch is located at 66 NEPEAN SEA ROADLAXMIBAI JAGMOHANDAS MARG, 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 Nepean Sea Road branch” — the verified location pin for IFSC BKID0000064 should appear at the top of the results.
- Confirm the branch is open by calling 22-3690718 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 BKID0000064 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0000064 for Bank of India – NEPEAN SEA ROAD, 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.
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 Nepean Sea Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0000064, however, work 24x7.
Branch address & contact
Bank of IndiaNepean Sea Road Branch
66 NEPEAN SEA ROADLAXMIBAI JAGMOHANDAS MARG
Mumbai, Maharashtra
Phone: 22-3690718
IFSC: BKID0000064
Frequently asked questions
What is the phone number of Bank of India Nepean Sea Road branch?
You can reach the branch at 22-3690718 during regular banking hours.
How quickly will an NEFT transfer using BKID0000064 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Nepean Sea Road reflect within 30 minutes.
Is IFSC BKID0000064 valid for NEFT and RTGS?
Yes. IFSC BKID0000064 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Bank of India Nepean Sea Road as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0000064, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Bank of India Nepean Sea Road branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-3690718 to confirm.
Where is Bank of India Nepean Sea Road branch located?
Bank of India's Nepean Sea Road branch is located at 66 NEPEAN SEA ROADLAXMIBAI JAGMOHANDAS MARG, Mumbai, Maharashtra.
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 Nepean Sea Road branch but serve different purposes.
Is IFSC BKID0000064 the same for all accounts at Nepean Sea Road branch?
Yes. The IFSC BKID0000064 is shared by every account held at Bank of India's Nepean Sea Road branch. Only the account number changes from customer to customer.
Summary
The IFSC code BKID0000064 belongs to Bank of India's NEPEAN SEA ROAD branch, located at 66 NEPEAN SEA ROADLAXMIBAI JAGMOHANDAS MARG 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.
