IFSC Code of Bank of India, Retail Banking Centre Navi Mumbai Branch, Maharashtra

Below are the complete branch details for Bank of India, RETAIL BANKING CENTRE NAVI MUMBAI branch, located in NAVI MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is BKID000RB81. 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 BKID000RB81 for Bank of India – RETAIL BANKING CENTRE NAVI MUMBAI — 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, BKID000RB81 is the IFSC of Bank of India's RETAIL BANKING CENTRE NAVI MUMBAI branch. The format is fixed: BKID = bank code, 0 = reserved, 00RB81 = branch identifier.

Branch details at a glance

Bank profile

Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Retail Banking Centre Navi Mumbai branch — IFSC BKID000RB81 — extends the bank's services to customers in and around Navi Mumbai, Maharashtra.

Retail Banking Centre Navi Mumbai branch overview

Located at RETAIL BANKING CENTRE, the Retail Banking Centre Navi Mumbai branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID000RB81 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 RETAIL BANKING CENTRE NAVI MUMBAI of Bank of India — its own 11-character IFSC. The code BKID000RB81 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 BKID000RB81 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 BKID000RB81

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 BKID000RB81 across all three.

How to use IFSC BKID000RB81 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's RETAIL BANKING CENTRE NAVI MUMBAI 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC BKID000RB81.
4. Confirm the bank name auto-populates as Bank of India and the branch as RETAIL BANKING CENTRE NAVI MUMBAI.
5. 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 RETAIL BANKING CENTRE NAVI MUMBAI

If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's RETAIL BANKING CENTRE NAVI MUMBAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID000RB81 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 – RETAIL BANKING CENTRE NAVI MUMBAI, use IMPS. With IFSC BKID000RB81 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 BKID000RB81 for Bank of India – RETAIL BANKING CENTRE NAVI MUMBAI, 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.

For most retail customers crediting the Retail Banking Centre Navi Mumbai 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 BKID000RB81

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 – RETAIL BANKING CENTRE NAVI MUMBAI is still mapped to IFSC BKID000RB81. 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 BKID000RB81 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Retail Banking Centre Navi Mumbai branch is mapped to IFSC BKID000RB81 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 BKID000RB81.

Banking services available

The Retail Banking Centre Navi Mumbai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9421392542.

• 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 BKID000RB81

MICR & cheque-truncation details

Cheques drawn on the Retail Banking Centre Navi Mumbai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID000RB81 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Retail Banking Centre Navi Mumbai 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 BKID000RB81 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 – RETAIL BANKING CENTRE NAVI MUMBAI:

• The IFSC is exactly BKID000RB81 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 RETAIL BANKING CENTRE NAVI MUMBAI 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 Retail Banking Centre Navi Mumbai branch

The branch is located at RETAIL BANKING CENTRE, which puts it inside Navi Mumbai, the broader Thane district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of India Retail Banking Centre Navi Mumbai branch” — the verified location pin for IFSC BKID000RB81 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9421392542 before stepping out, especially around public holidays.
3. 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 BKID000RB81 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BKID000RB81 for Bank of India – RETAIL BANKING CENTRE NAVI MUMBAI, 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 Retail Banking Centre Navi Mumbai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID000RB81, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: BKID000RB81 is the IFSC code of Bank of India, RETAIL BANKING CENTRE NAVI MUMBAI branch, in NAVI MUMBAI, MAHARASHTRA. 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.