If you are searching for the IFSC code of Bank of India, PUNASA branch in PUNASA, MADHYA PRADESH, this page has every detail you need. The verified IFSC code for this branch is BKID0009546. 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 PUNASA branch, and detailed step-by-step guides for using the IFSC BKID0009546 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, BKID0009546 is the IFSC of Bank of India's PUNASA branch. The format is fixed: BKID = bank code, 0 = reserved, 009546 = 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 Punasa branch in Punasa, Madhya Pradesh is part of this network and uses the IFSC code BKID0009546 for all electronic settlement.
Punasa branch overview
Located at PUNASA BRANCH AT AND POST PUNASA TEHSIL PUNDISTRICT KHANDWA 450 114 MP, the Punasa branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0009546 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Punasa |
| IFSC Code | BKID0009546 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PUNASA BRANCH AT AND POST PUNASA TEHSIL PUNDISTRICT KHANDWA 450 114 MP |
| City | Punasa |
| District | Punasa |
| State | Madhya Pradesh |
| STD Code | 91 |
| Phone | 9638576641 |
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 PUNASA branch came to be assigned the code BKID0009546.
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 BKID0009546, money simply cannot be routed to the PUNASA branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Punasa branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0009546 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 BKID0009546
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 BKID0009546 across all three.
How to use IFSC BKID0009546 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's PUNASA 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 BKID0009546.
- Confirm the bank name auto-populates as Bank of India and the branch as PUNASA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BKID0009546
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 – PUNASA, ensure your bank's portal accepts IFSC BKID0009546 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – PUNASA, use IMPS. With IFSC BKID0009546 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0009546 for Bank of India – PUNASA, 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 – BKID0009546 | Yes – BKID0009546 | Yes – BKID0009546 |
For most retail customers crediting the Punasa 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 BKID0009546
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 – PUNASA is still mapped to IFSC BKID0009546. 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 BKID0009546 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Punasa branch is mapped to IFSC BKID0009546 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 BKID0009546.
Products and services
Customers walking into the Punasa 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 BKID0009546
Digital banking channels
Most day-to-day work that customers used to do at the Punasa 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 BKID0009546 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 Punasa branch sits at PUNASA BRANCH AT AND POST PUNASA TEHSIL PUNDISTRICT KHANDWA 450 114 MP. If you are travelling from outside Punasa, search for the branch on a maps application using the bank name and locality, or call 91-9638576641 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 BKID0009546 and your account number.
Common mistakes to avoid when using IFSC BKID0009546
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Bank of India – PUNASA, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
BKID0009546. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
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 Punasa branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0009546, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0009546 for Bank of India – PUNASA, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Branch address & contact
Bank of IndiaPunasa Branch
PUNASA BRANCH AT AND POST PUNASA TEHSIL PUNDISTRICT KHANDWA 450 114 MP
Punasa, Madhya Pradesh
Phone: 91-9638576641
IFSC: BKID0009546
Frequently asked questions
Is IFSC BKID0009546 valid for NEFT and RTGS?
Yes. IFSC BKID0009546 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using BKID0009546 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Punasa reflect within 30 minutes.
Can I use IFSC BKID0009546 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0009546 to send funds instantly.
Is IFSC BKID0009546 the same for all accounts at Punasa branch?
Yes. The IFSC BKID0009546 is shared by every account held at Bank of India's Punasa branch. Only the account number changes from customer to customer.
How do I add Bank of India Punasa as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0009546, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Bank of India Punasa branch?
You can reach the branch at 91-9638576641 during regular banking hours.
Summary
The IFSC code BKID0009546 belongs to Bank of India's PUNASA branch, located at PUNASA BRANCH AT AND POST PUNASA TEHSIL PUNDISTRICT KHANDWA 450 114 MP in PUNASA, MADHYA PRADESH. 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.
