If you are searching for the IFSC code of Bank of India, PALAYAMKOTTAI branch in PALAYAMKOTTAI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is BKID0008270. 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 PALAYAMKOTTAI branch, and detailed step-by-step guides for using the IFSC BKID0008270 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 – PALAYAMKOTTAI is BKID0008270. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 008270 map to this branch in PALAYAMKOTTAI, TAMIL NADU.
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Palayamkottai branch in Palayamkottai, Tamil Nadu is part of this network and uses the IFSC code BKID0008270 for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Palayamkottai |
| IFSC Code | BKID0008270 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 10 A4TRIVANDRAM HIGH ROADPALAYAMKOTTAITIRUNELVELI 627 002 TAMILNADU |
| City | Palayamkottai |
| District | Palayamkottai |
| State | Tamil Nadu |
| STD Code | 462 |
| Phone | 4622502993 |
About this branch
The branch is located at 10 A4TRIVANDRAM HIGH ROADPALAYAMKOTTAITIRUNELVELI 627 002 TAMILNADU. It serves the Palayamkottai 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 BKID0008270 is used to identify this branch on the RBI payments network.
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 PALAYAMKOTTAI branch came to be assigned the code BKID0008270.
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 BKID0008270, money simply cannot be routed to the PALAYAMKOTTAI branch electronically.
Products and account variants supported
Every account opened at the Palayamkottai branch is mapped to IFSC BKID0008270 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 BKID0008270.
Products and services
Customers walking into the Palayamkottai 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 BKID0008270
How to transfer money using IFSC BKID0008270
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 BKID0008270 across all three.
NEFT to Bank of India, PALAYAMKOTTAI using IFSC BKID0008270
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 BKID0008270, and confirm that the system picks up Bank of India – PALAYAMKOTTAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0008270
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 – PALAYAMKOTTAI, ensure your bank's portal accepts IFSC BKID0008270 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of India PALAYAMKOTTAI (IFSC BKID0008270)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0008270 in your mobile or internet banking app, and the money is credited to the PALAYAMKOTTAI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0008270 for Bank of India – PALAYAMKOTTAI, 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 – BKID0008270 | Yes – BKID0008270 | Yes – BKID0008270 |
For most retail customers crediting the Palayamkottai 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 BKID0008270
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 – PALAYAMKOTTAI is still mapped to IFSC BKID0008270. 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 BKID0008270 and the beneficiary's account number to complete the transfer.
Online banking and IFSC BKID0008270
Bank of India customers can register for net banking and the bank's official mobile app once their account at the PALAYAMKOTTAI 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 BKID0008270 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 Palayamkottai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0008270 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 – PALAYAMKOTTAI:
- The IFSC is exactly BKID0008270 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 PALAYAMKOTTAI 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.
Reaching the branch
The Palayamkottai branch sits at 10 A4TRIVANDRAM HIGH ROADPALAYAMKOTTAITIRUNELVELI 627 002 TAMILNADU. If you are travelling from outside Palayamkottai, search for the branch on a maps application using the bank name and locality, or call 462-4622502993 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 BKID0008270 and your account number.
Verifying IFSC BKID0008270 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 BKID0008270 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 462-4622502993.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Palayamkottai 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 BKID0008270 continue to work without interruption.
Branch address & contact
Bank of IndiaPalayamkottai Branch
10 A4TRIVANDRAM HIGH ROADPALAYAMKOTTAITIRUNELVELI 627 002 TAMILNADU
Palayamkottai, Tamil Nadu
Phone: 462-4622502993
IFSC: BKID0008270
Frequently asked questions
Where is Bank of India Palayamkottai branch located?
Bank of India's Palayamkottai branch is located at 10 A4TRIVANDRAM HIGH ROADPALAYAMKOTTAITIRUNELVELI 627 002 TAMILNADU, Palayamkottai, Tamil Nadu.
Can I use IFSC BKID0008270 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0008270 to send funds instantly.
What is the IFSC code of Bank of India Palayamkottai branch?
The IFSC code of Bank of India, Palayamkottai branch is BKID0008270. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Bank of India Palayamkottai branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 462-4622502993 to confirm.
What is the phone number of Bank of India Palayamkottai branch?
You can reach the branch at 462-4622502993 during regular banking hours.
Is IFSC BKID0008270 the same for all accounts at Palayamkottai branch?
Yes. The IFSC BKID0008270 is shared by every account held at Bank of India's Palayamkottai branch. Only the account number changes from customer to customer.
Final notes
To recap: BKID0008270 is the IFSC code of Bank of India, PALAYAMKOTTAI branch, in PALAYAMKOTTAI, TAMIL NADU. 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.
