IFSC Code of Bank of India, Jharkhand Secretariat Branch, Jharkhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, JHARKHAND SECRETARIAT branch in RANCHI. The 11-digit IFSC BKID0004998 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 JHARKHAND SECRETARIAT 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 – JHARKHAND SECRETARIAT is BKID0004998. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004998 map to this branch in RANCHI, JHARKHAND.

Bank profile

Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Jharkhand Secretariat branch — IFSC BKID0004998 — extends the bank's services to customers in and around Ranchi, Jharkhand.

About the Jharkhand Secretariat branch

The Jharkhand Secretariat branch of Bank of India is situated at FFP BUILDING RURAL DEVELOPMENT CAMPUSGOVT OF JHARKHAND DHURWA. 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 BKID0004998 is used.

Branch details at a glance

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 JHARKHAND SECRETARIAT branch came to be assigned the code BKID0004998.

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 BKID0004998, money simply cannot be routed to the JHARKHAND SECRETARIAT branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Jharkhand Secretariat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0004998 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 BKID0004998

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 BKID0004998 across all three.

How to use IFSC BKID0004998 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's JHARKHAND SECRETARIAT 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC BKID0004998.
4. Confirm the bank name auto-populates as Bank of India and the branch as JHARKHAND SECRETARIAT.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to JHARKHAND SECRETARIAT

If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's JHARKHAND SECRETARIAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004998 while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of India JHARKHAND SECRETARIAT (IFSC BKID0004998)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0004998 in your mobile or internet banking app, and the money is credited to the JHARKHAND SECRETARIAT branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Jharkhand Secretariat

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 BKID0004998:

• 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 JHARKHAND SECRETARIAT is still linked to IFSC BKID0004998.

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.

UPI payments and IFSC BKID0004998

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 – JHARKHAND SECRETARIAT is still mapped to IFSC BKID0004998. 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 BKID0004998 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Jharkhand Secretariat branch is mapped to IFSC BKID0004998 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 BKID0004998.

Banking services available

The Jharkhand Secretariat branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7283233082.

• 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 BKID0004998

Online banking and IFSC BKID0004998

Bank of India customers can register for net banking and the bank's official mobile app once their account at the JHARKHAND SECRETARIAT 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 BKID0004998 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.

How to reach the Jharkhand Secretariat branch

The branch is located at FFP BUILDING RURAL DEVELOPMENT CAMPUSGOVT OF JHARKHAND DHURWA, which puts it inside Ranchi, the broader Ranchi district, and the state of Jharkhand. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of India Jharkhand Secretariat branch” — the verified location pin for IFSC BKID0004998 should appear at the top of the results.
2. Confirm the branch is open by calling 91-7283233082 before stepping out, especially around public holidays.
3. 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 BKID0004998 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 – JHARKHAND SECRETARIAT:

• The IFSC is exactly BKID0004998 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 JHARKHAND SECRETARIAT 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.

Working hours

Branch counters at Jharkhand Secretariat 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 BKID0004998 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BKID0004998 for Bank of India – JHARKHAND SECRETARIAT, 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

Frequently asked questions

Summary

The IFSC code BKID0004998 belongs to Bank of India's JHARKHAND SECRETARIAT branch, located at FFP BUILDING RURAL DEVELOPMENT CAMPUSGOVT OF JHARKHAND DHURWA in RANCHI, JHARKHAND. 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.