If you are searching for the IFSC code of Bank of India, SADRA branch in SADRA TAL DIST GANDHINAGAR, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is BKID0002102. 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 SADRA branch, and detailed step-by-step guides for using the IFSC BKID0002102 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, BKID0002102 is the IFSC of Bank of India's SADRA branch. The format is fixed: BKID = bank code, 0 = reserved, 002102 = 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 Sadra branch in Sadra Tal Dist Gandhinagar, Gujarat is part of this network and uses the IFSC code BKID0002102 for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Sadra |
| IFSC Code | BKID0002102 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BAZAR SADRATALUKA DIST GANDHINAGAR |
| City | Sadra Tal Dist Gandhinagar |
| District | Sadra Tal Dist Gandhinagar |
| State | Gujarat |
| STD Code | 79 |
| Phone | 7923274224 |
Sadra branch overview
Located at BAZAR SADRATALUKA DIST GANDHINAGAR, the Sadra branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0002102 is required for all interbank electronic transfers routed through this branch.
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 SADRA branch came to be assigned the code BKID0002102.
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 BKID0002102, money simply cannot be routed to the SADRA branch electronically.
Products and account variants supported
Every account opened at the Sadra branch is mapped to IFSC BKID0002102 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 BKID0002102.
Products and services
Customers walking into the Sadra 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 BKID0002102
How to transfer money using IFSC BKID0002102
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 BKID0002102 across all three.
NEFT to Bank of India, SADRA using IFSC BKID0002102
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 BKID0002102, and confirm that the system picks up Bank of India – SADRA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0002102
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 – SADRA, ensure your bank's portal accepts IFSC BKID0002102 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of India SADRA (IFSC BKID0002102)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0002102 in your mobile or internet banking app, and the money is credited to the SADRA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0002102 for Bank of India – SADRA, 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 – BKID0002102 | Yes – BKID0002102 | Yes – BKID0002102 |
For most retail customers crediting the Sadra 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 SADRA branch, the IFSC BKID0002102 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.
Digital banking channels
Most day-to-day work that customers used to do at the Sadra 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 BKID0002102 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.
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 BKID0002102 and the account number together uniquely identify the Sadra branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – SADRA:
- The IFSC is exactly BKID0002102 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 SADRA 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 Sadra branch
The branch is located at BAZAR SADRATALUKA DIST GANDHINAGAR, which puts it inside Sadra Tal Dist Gandhinagar, the broader Sadra Tal Dist Gandhinagar district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Sadra branch” — the verified location pin for IFSC BKID0002102 should appear at the top of the results.
- Confirm the branch is open by calling 79-7923274224 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 BKID0002102 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0002102 for Bank of India – SADRA, 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.
Working hours
Branch counters at Sadra 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 BKID0002102 continue to work without interruption.
Branch address & contact
Bank of IndiaSadra Branch
BAZAR SADRATALUKA DIST GANDHINAGAR
Sadra Tal Dist Gandhinagar, Gujarat
Phone: 79-7923274224
IFSC: BKID0002102
Frequently asked questions
Where is Bank of India Sadra branch located?
Bank of India's Sadra branch is located at BAZAR SADRATALUKA DIST GANDHINAGAR, Sadra Tal Dist Gandhinagar, Gujarat.
Does Bank of India Sadra branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 79-7923274224 to confirm.
What is the phone number of Bank of India Sadra branch?
You can reach the branch at 79-7923274224 during regular banking hours.
How do I add Bank of India Sadra as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0002102, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC BKID0002102 valid for NEFT and RTGS?
Yes. IFSC BKID0002102 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Sadra branch but serve different purposes.
Final notes
To recap: BKID0002102 is the IFSC code of Bank of India, SADRA branch, in SADRA TAL DIST GANDHINAGAR, GUJARAT. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
