Use this page as a one-stop reference for everything related to Bank of India's PATNA C AND P BANKING branch in PATNA, BIHAR. The branch's IFSC code BKID0004421 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, BKID0004421 is the IFSC of Bank of India's PATNA C AND P BANKING branch. The format is fixed: BKID = bank code, 0 = reserved, 004421 = 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 Patna C and P Banking branch in Patna, Bihar is part of this network and uses the IFSC code BKID0004421 for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Patna C and P Banking |
| IFSC Code | BKID0004421 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RAGHUBIR PLACE BORING ROADPATNA BIHAR 800 001 |
| City | Patna |
| District | Patna |
| State | Bihar |
| STD Code | 612 |
| Phone | 6122572335 |
Patna C and P Banking branch overview
Located at RAGHUBIR PLACE BORING ROADPATNA BIHAR 800 001, the Patna C and P Banking branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0004421 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 PATNA C AND P BANKING of Bank of India — its own 11-character IFSC. The code BKID0004421 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 BKID0004421 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Patna C and P Banking branch
Once you have an account at Bank of India – PATNA C AND P BANKING, the IFSC BKID0004421 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.
Banking services available
The Patna C and P Banking branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 612-6122572335.
- 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 BKID0004421
How to transfer money using IFSC BKID0004421
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 BKID0004421 across all three.
NEFT to Bank of India, PATNA C AND P BANKING using IFSC BKID0004421
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 BKID0004421, and confirm that the system picks up Bank of India – PATNA C AND P BANKING. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PATNA C AND P BANKING
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's PATNA C AND P BANKING branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004421 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India PATNA C AND P BANKING (IFSC BKID0004421)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0004421 in your mobile or internet banking app, and the money is credited to the PATNA C AND P BANKING branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0004421 for Bank of India – PATNA C AND P BANKING, 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 – BKID0004421 | Yes – BKID0004421 | Yes – BKID0004421 |
For most retail customers crediting the Patna C and P Banking 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 BKID0004421
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 – PATNA C AND P BANKING is still mapped to IFSC BKID0004421. 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 BKID0004421 and the beneficiary's account number to complete the transfer.
Online banking and IFSC BKID0004421
Bank of India customers can register for net banking and the bank's official mobile app once their account at the PATNA C AND P BANKING 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 BKID0004421 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 Patna C and P Banking branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0004421 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 – PATNA C AND P BANKING:
- The IFSC is exactly BKID0004421 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 PATNA C AND P BANKING 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 Patna C and P Banking branch
The branch is located at RAGHUBIR PLACE BORING ROADPATNA BIHAR 800 001, which puts it inside Patna, the broader Patna district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Patna C and P Banking branch” — the verified location pin for IFSC BKID0004421 should appear at the top of the results.
- Confirm the branch is open by calling 612-6122572335 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 BKID0004421 and your account number.
Verifying IFSC BKID0004421 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 BKID0004421 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 612-6122572335.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Patna C and P Banking 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 BKID0004421 continue to work without interruption.
Branch address & contact
Bank of IndiaPatna C and P Banking Branch
RAGHUBIR PLACE BORING ROADPATNA BIHAR 800 001
Patna, Bihar
Phone: 612-6122572335
IFSC: BKID0004421
Frequently asked questions
How do I add Bank of India Patna C and P Banking as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0004421, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC BKID0004421 valid for NEFT and RTGS?
Yes. IFSC BKID0004421 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC BKID0004421 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0004421 to send funds instantly.
What is the phone number of Bank of India Patna C and P Banking branch?
You can reach the branch at 612-6122572335 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 Patna C and P Banking branch but serve different purposes.
How quickly will an NEFT transfer using BKID0004421 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Patna C and P Banking reflect within 30 minutes.
Summary
The IFSC code BKID0004421 belongs to Bank of India's PATNA C AND P BANKING branch, located at RAGHUBIR PLACE BORING ROADPATNA BIHAR 800 001 in PATNA, BIHAR. 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.
