Below are the complete branch details for Bank of India, ORAS branch, located in ORAS DIST SINDHUDURG, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is BKID0001451. 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 BKID0001451 for Bank of India – ORAS — 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, BKID0001451 is the IFSC of Bank of India's ORAS branch. The format is fixed: BKID = bank code, 0 = reserved, 001451 = 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 Oras branch in Oras Dist Sindhudurg, Maharashtra is part of this network and uses the IFSC code BKID0001451 for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Oras |
| IFSC Code | BKID0001451 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT POST ORASTALUKA KUDAL DIST SINDHUDURG |
| City | Oras Dist Sindhudurg |
| District | Oras Dist Sindhudurg |
| State | Maharashtra |
| STD Code | 2362 |
| Phone | 2362228840 |
Oras branch overview
Located at AT POST ORASTALUKA KUDAL DIST SINDHUDURG, the Oras branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0001451 is required for all interbank electronic transfers routed through this branch.
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 ORAS branch came to be assigned the code BKID0001451.
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 BKID0001451, money simply cannot be routed to the ORAS branch electronically.
Products and account variants supported
Every account opened at the Oras branch is mapped to IFSC BKID0001451 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 BKID0001451.
Banking services available
The Oras branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2362-2362228840.
- 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 BKID0001451
How to transfer money using IFSC BKID0001451
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 BKID0001451 across all three.
NEFT to Bank of India, ORAS using IFSC BKID0001451
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 BKID0001451, and confirm that the system picks up Bank of India – ORAS. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0001451
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Bank of India – ORAS, ensure your bank's portal accepts IFSC BKID0001451 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – ORAS, use IMPS. With IFSC BKID0001451 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 BKID0001451 for Bank of India – ORAS, 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 – BKID0001451 | Yes – BKID0001451 | Yes – BKID0001451 |
For most retail customers crediting the Oras 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 BKID0001451
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 – ORAS is still mapped to IFSC BKID0001451. 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 BKID0001451 and the beneficiary's account number to complete the transfer.
Online banking and IFSC BKID0001451
Bank of India customers can register for net banking and the bank's official mobile app once their account at the ORAS 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 BKID0001451 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 Oras branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0001451 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 – ORAS:
- The IFSC is exactly BKID0001451 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 ORAS 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 Oras branch
The branch is located at AT POST ORASTALUKA KUDAL DIST SINDHUDURG, which puts it inside Oras Dist Sindhudurg, the broader Oras Dist Sindhudurg district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Oras branch” — the verified location pin for IFSC BKID0001451 should appear at the top of the results.
- Confirm the branch is open by calling 2362-2362228840 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 BKID0001451 and your account number.
Verifying IFSC BKID0001451 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 BKID0001451 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2362-2362228840.
- Visiting the bank's official branch locator page.
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 Oras branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0001451, however, work 24x7.
Branch address & contact
Bank of IndiaOras Branch
AT POST ORASTALUKA KUDAL DIST SINDHUDURG
Oras Dist Sindhudurg, Maharashtra
Phone: 2362-2362228840
IFSC: BKID0001451
Frequently asked questions
Does Bank of India Oras branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2362-2362228840 to confirm.
What is the IFSC code of Bank of India Oras branch?
The IFSC code of Bank of India, Oras branch is BKID0001451. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Bank of India Oras as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0001451, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Oras branch but serve different purposes.
Can I use IFSC BKID0001451 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0001451 to send funds instantly.
Is IFSC BKID0001451 valid for NEFT and RTGS?
Yes. IFSC BKID0001451 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Bank of India Oras branch?
You can reach the branch at 2362-2362228840 during regular banking hours.
Where is Bank of India Oras branch located?
Bank of India's Oras branch is located at AT POST ORASTALUKA KUDAL DIST SINDHUDURG, Oras Dist Sindhudurg, Maharashtra.
Summary
The IFSC code BKID0001451 belongs to Bank of India's ORAS branch, located at AT POST ORASTALUKA KUDAL DIST SINDHUDURG in ORAS DIST SINDHUDURG, 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.
