This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, RADHANAGAR branch in RADHANAGAR DIST SUPAUL. The 11-digit IFSC BKID0004580 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Bank of India at the RADHANAGAR location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – RADHANAGAR is BKID0004580. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004580 map to this branch in RADHANAGAR DIST SUPAUL, BIHAR.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Radhanagar |
| IFSC Code | BKID0004580 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT P O RADHANAGARVIA JAIRAM RAGHOPUR DIST SUPAUL |
| City | Radhanagar Dist Supaul |
| District | Radhanagar Dist Supaul |
| State | Bihar |
| STD Code | 6471 |
| Phone | 6471250962 |
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Radhanagar branch in Radhanagar Dist Supaul, Bihar is part of this network and uses the IFSC code BKID0004580 for all electronic settlement.
About this branch
The branch is located at AT P O RADHANAGARVIA JAIRAM RAGHOPUR DIST SUPAUL. It serves the Radhanagar Dist Supaul 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 BKID0004580 is used to identify this branch on the RBI payments network.
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 RADHANAGAR of Bank of India — its own 11-character IFSC. The code BKID0004580 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 BKID0004580 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC BKID0004580
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 BKID0004580 across all three.
NEFT to Bank of India, RADHANAGAR using IFSC BKID0004580
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 BKID0004580, and confirm that the system picks up Bank of India – RADHANAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RADHANAGAR
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's RADHANAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004580 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – RADHANAGAR, use IMPS. With IFSC BKID0004580 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 BKID0004580 for Bank of India – RADHANAGAR, 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 – BKID0004580 | Yes – BKID0004580 | Yes – BKID0004580 |
For most retail customers crediting the Radhanagar 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.
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 RADHANAGAR branch, the IFSC BKID0004580 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.
Account types you can open at the Radhanagar branch
Once you have an account at Bank of India – RADHANAGAR, the IFSC BKID0004580 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.
Products and services
Customers walking into the Radhanagar 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 BKID0004580
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 BKID0004580 and the account number together uniquely identify the Radhanagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC BKID0004580
Bank of India customers can register for net banking and the bank's official mobile app once their account at the RADHANAGAR 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 BKID0004580 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.
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 – RADHANAGAR:
- The IFSC is exactly BKID0004580 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 RADHANAGAR 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 Radhanagar branch
The branch is located at AT P O RADHANAGARVIA JAIRAM RAGHOPUR DIST SUPAUL, which puts it inside Radhanagar Dist Supaul, the broader Radhanagar Dist Supaul district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Radhanagar branch” — the verified location pin for IFSC BKID0004580 should appear at the top of the results.
- Confirm the branch is open by calling 6471-6471250962 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 BKID0004580 and your account number.
Verifying IFSC BKID0004580 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 BKID0004580 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6471-6471250962.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Radhanagar 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 BKID0004580 continue to work without interruption.
Branch address & contact
Bank of IndiaRadhanagar Branch
AT P O RADHANAGARVIA JAIRAM RAGHOPUR DIST SUPAUL
Radhanagar Dist Supaul, Bihar
Phone: 6471-6471250962
IFSC: BKID0004580
Frequently asked questions
Is IFSC BKID0004580 valid for NEFT and RTGS?
Yes. IFSC BKID0004580 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Bank of India Radhanagar branch?
The IFSC code of Bank of India, Radhanagar branch is BKID0004580. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Radhanagar branch but serve different purposes.
What is the phone number of Bank of India Radhanagar branch?
You can reach the branch at 6471-6471250962 during regular banking hours.
Is IFSC BKID0004580 the same for all accounts at Radhanagar branch?
Yes. The IFSC BKID0004580 is shared by every account held at Bank of India's Radhanagar branch. Only the account number changes from customer to customer.
Does Bank of India Radhanagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6471-6471250962 to confirm.
How do I add Bank of India Radhanagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0004580, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Bank of India Radhanagar branch located?
Bank of India's Radhanagar branch is located at AT P O RADHANAGARVIA JAIRAM RAGHOPUR DIST SUPAUL, Radhanagar Dist Supaul, Bihar.
Summary
The IFSC code BKID0004580 belongs to Bank of India's RADHANAGAR branch, located at AT P O RADHANAGARVIA JAIRAM RAGHOPUR DIST SUPAUL in RADHANAGAR DIST SUPAUL, 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.
