If you are searching for the IFSC code of Bank of India, PANCHAL branch in PANCHALDISTRICT BANKURA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is BKID0004264. 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 PANCHAL branch, and detailed step-by-step guides for using the IFSC BKID0004264 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, BKID0004264 is the IFSC of Bank of India's PANCHAL branch. The format is fixed: BKID = bank code, 0 = reserved, 004264 = branch identifier.
Bank profile
Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Panchal branch — IFSC BKID0004264 — extends the bank's services to customers in and around Panchaldistrict Bankura, West Bengal.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Panchal |
| IFSC Code | BKID0004264 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL PO PANCHALDISTRICT BANKURA |
| City | Panchaldistrict Bankura |
| District | Panchaldistrict Bankura |
| State | West Bengal |
| STD Code | 3244 |
| Phone | 3244239295 |
About this branch
The branch is located at VILL PO PANCHALDISTRICT BANKURA. It serves the Panchaldistrict Bankura 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 BKID0004264 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 PANCHAL branch came to be assigned the code BKID0004264.
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 BKID0004264, money simply cannot be routed to the PANCHAL branch electronically.
Products and account variants supported
Every account opened at the Panchal branch is mapped to IFSC BKID0004264 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 BKID0004264.
Banking services available
The Panchal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3244-3244239295.
- 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 BKID0004264
How to transfer money using IFSC BKID0004264
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 BKID0004264 across all three.
NEFT to Bank of India, PANCHAL using IFSC BKID0004264
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 BKID0004264, and confirm that the system picks up Bank of India – PANCHAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0004264
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 – PANCHAL, ensure your bank's portal accepts IFSC BKID0004264 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – PANCHAL, use IMPS. With IFSC BKID0004264 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 Panchal
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 BKID0004264:
- 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 PANCHAL is still linked to IFSC BKID0004264.
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 PANCHAL branch, the IFSC BKID0004264 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.
Digital banking channels
Most day-to-day work that customers used to do at the Panchal 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 BKID0004264 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.
MICR & cheque-truncation details
Cheques drawn on the Panchal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0004264 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 – PANCHAL:
- The IFSC is exactly BKID0004264 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 PANCHAL 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 Panchal branch
The branch is located at VILL PO PANCHALDISTRICT BANKURA, which puts it inside Panchaldistrict Bankura, the broader Panchaldistrict Bankura district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Panchal branch” — the verified location pin for IFSC BKID0004264 should appear at the top of the results.
- Confirm the branch is open by calling 3244-3244239295 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 BKID0004264 and your account number.
Verifying IFSC BKID0004264 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 BKID0004264 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 3244-3244239295.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Panchal 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 BKID0004264 continue to work without interruption.
Branch address & contact
Bank of IndiaPanchal Branch
VILL PO PANCHALDISTRICT BANKURA
Panchaldistrict Bankura, West Bengal
Phone: 3244-3244239295
IFSC: BKID0004264
Frequently asked questions
Is IFSC BKID0004264 the same for all accounts at Panchal branch?
Yes. The IFSC BKID0004264 is shared by every account held at Bank of India's Panchal branch. Only the account number changes from customer to customer.
What is the phone number of Bank of India Panchal branch?
You can reach the branch at 3244-3244239295 during regular banking hours.
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 Panchal branch but serve different purposes.
How do I add Bank of India Panchal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0004264, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Bank of India Panchal branch?
The IFSC code of Bank of India, Panchal branch is BKID0004264. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC BKID0004264 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0004264 to send funds instantly.
Does Bank of India Panchal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 3244-3244239295 to confirm.
Where is Bank of India Panchal branch located?
Bank of India's Panchal branch is located at VILL PO PANCHALDISTRICT BANKURA, Panchaldistrict Bankura, West Bengal.
Final notes
To recap: BKID0004264 is the IFSC code of Bank of India, PANCHAL branch, in PANCHALDISTRICT BANKURA, WEST BENGAL. 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.
