If you are searching for the IFSC code of Bank of India, PATNA SERVICE BRANCH branch in PATNA, BIHAR, this page has every detail you need. The verified IFSC code for this branch is BKID0004425. 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 PATNA SERVICE BRANCH branch, and detailed step-by-step guides for using the IFSC BKID0004425 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 – PATNA SERVICE BRANCH is BKID0004425. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004425 map to this branch in PATNA, BIHAR.
About Bank of India
Bank of India operates a wide network of branches across India, including the Patna Service Branch branch in Patna. 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, BKID0004425.
About the Patna Service Branch branch
The Patna Service Branch branch of Bank of India is situated at UDAY BHAVAN 3RD FLOORFRASER ROAD. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code BKID0004425 is used.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Patna Service Branch |
| IFSC Code | BKID0004425 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UDAY BHAVAN 3RD FLOORFRASER ROAD |
| City | Patna |
| District | Patna |
| State | Bihar |
| STD Code | 612 |
| Phone | 6122203088 |
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 PATNA SERVICE BRANCH branch came to be assigned the code BKID0004425.
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 BKID0004425, money simply cannot be routed to the PATNA SERVICE BRANCH branch electronically.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Bank of India carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC BKID0004425 and the account number together uniquely identify the Patna Service Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC BKID0004425
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 BKID0004425 across all three.
NEFT to Bank of India, PATNA SERVICE BRANCH using IFSC BKID0004425
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 BKID0004425, and confirm that the system picks up Bank of India – PATNA SERVICE BRANCH. 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 SERVICE BRANCH
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's PATNA SERVICE BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004425 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India PATNA SERVICE BRANCH (IFSC BKID0004425)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0004425 in your mobile or internet banking app, and the money is credited to the PATNA SERVICE BRANCH branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Patna Service Branch
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 BKID0004425:
- 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 PATNA SERVICE BRANCH is still linked to IFSC BKID0004425.
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 PATNA SERVICE BRANCH branch, the IFSC BKID0004425 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.
Products and account variants supported
Every account opened at the Patna Service Branch branch is mapped to IFSC BKID0004425 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 BKID0004425.
Products and services
Customers walking into the Patna Service Branch 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 BKID0004425
Digital banking channels
Most day-to-day work that customers used to do at the Patna Service Branch 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 BKID0004425 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 Patna Service Branch branch sits at UDAY BHAVAN 3RD FLOORFRASER ROAD. If you are travelling from outside Patna, search for the branch on a maps application using the bank name and locality, or call 612-6122203088 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 BKID0004425 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 – PATNA SERVICE BRANCH:
- The IFSC is exactly BKID0004425 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 SERVICE BRANCH 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 Patna Service Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0004425, however, work 24x7.
Verifying IFSC BKID0004425 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 BKID0004425 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 612-6122203088.
- Visiting the bank's official branch locator page.
Branch address & contact
Bank of IndiaPatna Service Branch Branch
UDAY BHAVAN 3RD FLOORFRASER ROAD
Patna, Bihar
Phone: 612-6122203088
IFSC: BKID0004425
Frequently asked questions
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 Service Branch branch but serve different purposes.
Is IFSC BKID0004425 valid for NEFT and RTGS?
Yes. IFSC BKID0004425 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Bank of India Patna Service Branch branch?
You can reach the branch at 612-6122203088 during regular banking hours.
Where is Bank of India Patna Service Branch branch located?
Bank of India's Patna Service Branch branch is located at UDAY BHAVAN 3RD FLOORFRASER ROAD, Patna, Bihar.
Does Bank of India Patna Service Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 612-6122203088 to confirm.
How quickly will an NEFT transfer using BKID0004425 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Patna Service Branch reflect within 30 minutes.
Can I use IFSC BKID0004425 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0004425 to send funds instantly.
Summary
The IFSC code BKID0004425 belongs to Bank of India's PATNA SERVICE BRANCH branch, located at UDAY BHAVAN 3RD FLOORFRASER ROAD 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.
