Use this page as a one-stop reference for everything related to Bank of India's NARSIPATNAM branch in NARSIPATNAM AP, ANDHRA PRADESH. The branch's IFSC code BKID0005605 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 – NARSIPATNAM is BKID0005605. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005605 map to this branch in NARSIPATNAM AP, ANDHRA PRADESH.
About Bank of India
Bank of India operates a wide network of branches across India, including the Narsipatnam branch in Narsipatnam Ap. 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, BKID0005605.
Narsipatnam branch overview
Located at 9 36 47 9TH WARD RAMARAOPETANARSIPATNAM, the Narsipatnam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0005605 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Narsipatnam |
| IFSC Code | BKID0005605 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 9 36 47 9TH WARD RAMARAOPETANARSIPATNAM |
| City | Narsipatnam Ap |
| District | Narsipatnam Ap |
| State | Andhra Pradesh |
| STD Code | 91 |
| Phone | 9638576388 |
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 NARSIPATNAM of Bank of India — its own 11-character IFSC. The code BKID0005605 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 BKID0005605 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Narsipatnam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0005605 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC BKID0005605
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 BKID0005605 across all three.
NEFT to Bank of India, NARSIPATNAM using IFSC BKID0005605
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 BKID0005605, and confirm that the system picks up Bank of India – NARSIPATNAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NARSIPATNAM
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's NARSIPATNAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0005605 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India NARSIPATNAM (IFSC BKID0005605)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0005605 in your mobile or internet banking app, and the money is credited to the NARSIPATNAM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0005605 for Bank of India – NARSIPATNAM, 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 – BKID0005605 | Yes – BKID0005605 | Yes – BKID0005605 |
For most retail customers crediting the Narsipatnam 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 BKID0005605
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 – NARSIPATNAM is still mapped to IFSC BKID0005605. 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 BKID0005605 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Narsipatnam branch is mapped to IFSC BKID0005605 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 BKID0005605.
Banking services available
The Narsipatnam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9638576388.
- 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 BKID0005605
Online banking and IFSC BKID0005605
Bank of India customers can register for net banking and the bank's official mobile app once their account at the NARSIPATNAM 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 BKID0005605 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.
How to reach the Narsipatnam branch
The branch is located at 9 36 47 9TH WARD RAMARAOPETANARSIPATNAM, which puts it inside Narsipatnam Ap, the broader Narsipatnam Ap district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Narsipatnam branch” — the verified location pin for IFSC BKID0005605 should appear at the top of the results.
- Confirm the branch is open by calling 91-9638576388 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 BKID0005605 and your account number.
Common mistakes to avoid when using IFSC BKID0005605
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 – NARSIPATNAM, 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:
BKID0005605. - 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.
Working hours
Branch counters at Narsipatnam 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 BKID0005605 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0005605 for Bank of India – NARSIPATNAM, 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 address & contact
Bank of IndiaNarsipatnam Branch
9 36 47 9TH WARD RAMARAOPETANARSIPATNAM
Narsipatnam Ap, Andhra Pradesh
Phone: 91-9638576388
IFSC: BKID0005605
Frequently asked questions
How quickly will an NEFT transfer using BKID0005605 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Narsipatnam reflect within 30 minutes.
Is IFSC BKID0005605 valid for NEFT and RTGS?
Yes. IFSC BKID0005605 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC BKID0005605 the same for all accounts at Narsipatnam branch?
Yes. The IFSC BKID0005605 is shared by every account held at Bank of India's Narsipatnam branch. Only the account number changes from customer to customer.
What is the phone number of Bank of India Narsipatnam branch?
You can reach the branch at 91-9638576388 during regular banking hours.
How do I add Bank of India Narsipatnam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0005605, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Bank of India Narsipatnam branch located?
Bank of India's Narsipatnam branch is located at 9 36 47 9TH WARD RAMARAOPETANARSIPATNAM, Narsipatnam Ap, Andhra Pradesh.
What is the IFSC code of Bank of India Narsipatnam branch?
The IFSC code of Bank of India, Narsipatnam branch is BKID0005605. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: BKID0005605 is the IFSC code of Bank of India, NARSIPATNAM branch, in NARSIPATNAM AP, ANDHRA 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.
