If you are searching for the IFSC code of Bank of India, PADRAUNA branch in PADRAUNA DIST KUSHI NAGAR UP, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is BKID0007845. 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 PADRAUNA branch, and detailed step-by-step guides for using the IFSC BKID0007845 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.
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, BKID0007845 is the IFSC of Bank of India's PADRAUNA branch. The format is fixed: BKID = bank code, 0 = reserved, 007845 = branch identifier.
About Bank of India
Bank of India operates a wide network of branches across India, including the Padrauna branch in Padrauna Dist Kushi Nagar Up. 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, BKID0007845.
About this branch
The branch is located at HOUSE NO24 WARD NO26 ONKAR VATIKA COLONY KATKUIYAN DISTT KUSHI NAGAR. It serves the Padrauna Dist Kushi Nagar Up region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Bank of India. The IFSC BKID0007845 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Padrauna |
| IFSC Code | BKID0007845 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HOUSE NO24 WARD NO26 ONKAR VATIKA COLONY KATKUIYAN DISTT KUSHI NAGAR |
| City | Padrauna Dist Kushi Nagar Up |
| District | Padrauna Dist Kushi Nagar Up |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 9638576556 |
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 PADRAUNA branch came to be assigned the code BKID0007845.
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 BKID0007845, money simply cannot be routed to the PADRAUNA branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Padrauna branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0007845 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 BKID0007845
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 BKID0007845 across all three.
How to use IFSC BKID0007845 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's PADRAUNA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC BKID0007845.
- Confirm the bank name auto-populates as Bank of India and the branch as PADRAUNA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BKID0007845
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 – PADRAUNA, ensure your bank's portal accepts IFSC BKID0007845 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – PADRAUNA, use IMPS. With IFSC BKID0007845 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 Padrauna
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 BKID0007845:
- 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 PADRAUNA is still linked to IFSC BKID0007845.
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.
UPI payments and IFSC BKID0007845
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 – PADRAUNA is still mapped to IFSC BKID0007845. 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 BKID0007845 and the beneficiary's account number to complete the transfer.
Account types you can open at the Padrauna branch
Once you have an account at Bank of India – PADRAUNA, the IFSC BKID0007845 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 Padrauna 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 BKID0007845
Digital banking channels
Most day-to-day work that customers used to do at the Padrauna 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 BKID0007845 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.
Reaching the branch
The Padrauna branch sits at HOUSE NO24 WARD NO26 ONKAR VATIKA COLONY KATKUIYAN DISTT KUSHI NAGAR. If you are travelling from outside Padrauna Dist Kushi Nagar Up, search for the branch on a maps application using the bank name and locality, or call 91-9638576556 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 BKID0007845 and your account number.
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 – PADRAUNA:
- The IFSC is exactly BKID0007845 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 PADRAUNA 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.
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 Padrauna branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0007845, however, work 24x7.
Verifying IFSC BKID0007845 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 BKID0007845 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9638576556.
- Visiting the bank's official branch locator page.
Branch address & contact
Bank of IndiaPadrauna Branch
HOUSE NO24 WARD NO26 ONKAR VATIKA COLONY KATKUIYAN DISTT KUSHI NAGAR
Padrauna Dist Kushi Nagar Up, Uttar Pradesh
Phone: 91-9638576556
IFSC: BKID0007845
Frequently asked questions
How do I add Bank of India Padrauna as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0007845, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Bank of India Padrauna branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9638576556 to confirm.
What is the phone number of Bank of India Padrauna branch?
You can reach the branch at 91-9638576556 during regular banking hours.
Is IFSC BKID0007845 the same for all accounts at Padrauna branch?
Yes. The IFSC BKID0007845 is shared by every account held at Bank of India's Padrauna branch. Only the account number changes from customer to customer.
Where is Bank of India Padrauna branch located?
Bank of India's Padrauna branch is located at HOUSE NO24 WARD NO26 ONKAR VATIKA COLONY KATKUIYAN DISTT KUSHI NAGAR, Padrauna Dist Kushi Nagar Up, Uttar Pradesh.
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 Padrauna branch but serve different purposes.
What is the IFSC code of Bank of India Padrauna branch?
The IFSC code of Bank of India, Padrauna branch is BKID0007845. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: BKID0007845 is the IFSC code of Bank of India, PADRAUNA branch, in PADRAUNA DIST KUSHI NAGAR UP, UTTAR 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.
