IFSC Code of Bank of India, Kharghar Sector Thirtyfive Branch, Maharashtra

If you are searching for the IFSC code of Bank of India, KHARGHAR SECTOR THIRTYFIVE branch in NAVI MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is BKID0000186. 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 KHARGHAR SECTOR THIRTYFIVE branch, and detailed step-by-step guides for using the IFSC BKID0000186 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.

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 – KHARGHAR SECTOR THIRTYFIVE is BKID0000186. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000186 map to this branch in NAVI MUMBAI, MAHARASHTRA.

Bank profile

Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Kharghar Sector Thirtyfive branch — IFSC BKID0000186 — extends the bank's services to customers in and around Navi Mumbai, Maharashtra.

Kharghar Sector Thirtyfive branch overview

Located at SHOP NOS1 2 3 4 ASHTAVINAYAK RESIDENCYPLOT NO 5 6 SECTOR 35D OWE KHARGHAR, the Kharghar Sector Thirtyfive branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0000186 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 KHARGHAR SECTOR THIRTYFIVE of Bank of India — its own 11-character IFSC. The code BKID0000186 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 BKID0000186 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 Kharghar Sector Thirtyfive branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0000186 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 BKID0000186

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 BKID0000186 across all three.

NEFT to Bank of India, KHARGHAR SECTOR THIRTYFIVE using IFSC BKID0000186

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 BKID0000186, and confirm that the system picks up Bank of India – KHARGHAR SECTOR THIRTYFIVE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KHARGHAR SECTOR THIRTYFIVE

If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's KHARGHAR SECTOR THIRTYFIVE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0000186 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 – KHARGHAR SECTOR THIRTYFIVE, use IMPS. With IFSC BKID0000186 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Kharghar Sector Thirtyfive

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 BKID0000186:

• 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 KHARGHAR SECTOR THIRTYFIVE is still linked to IFSC BKID0000186.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Bank of India's KHARGHAR SECTOR THIRTYFIVE branch, the IFSC BKID0000186 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Kharghar Sector Thirtyfive branch

Once you have an account at Bank of India – KHARGHAR SECTOR THIRTYFIVE, the IFSC BKID0000186 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 Kharghar Sector Thirtyfive 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 BKID0000186

Online banking and IFSC BKID0000186

Bank of India customers can register for net banking and the bank's official mobile app once their account at the KHARGHAR SECTOR THIRTYFIVE 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 BKID0000186 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.

Reaching the branch

The Kharghar Sector Thirtyfive branch sits at SHOP NOS1 2 3 4 ASHTAVINAYAK RESIDENCYPLOT NO 5 6 SECTOR 35D OWE KHARGHAR. If you are travelling from outside Navi Mumbai, search for the branch on a maps application using the bank name and locality, or call 91-7283233021 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 BKID0000186 and your account number.

Common mistakes to avoid when using IFSC BKID0000186

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 – KHARGHAR SECTOR THIRTYFIVE, 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: BKID0000186.
• 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.

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 Kharghar Sector Thirtyfive branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0000186, however, work 24x7.

Verifying IFSC BKID0000186 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 BKID0000186 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-7283233021.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BKID0000186 belongs to Bank of India's KHARGHAR SECTOR THIRTYFIVE branch, located at SHOP NOS1 2 3 4 ASHTAVINAYAK RESIDENCYPLOT NO 5 6 SECTOR 35D OWE KHARGHAR in NAVI 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.