If you are searching for the IFSC code of Bank of India, SAGRAMDIH branch in SAGRAMDIH DIST DHANBAD, JHARKHAND, this page has every detail you need. The verified IFSC code for this branch is BKID0004745. 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 SAGRAMDIH branch, and detailed step-by-step guides for using the IFSC BKID0004745 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 – SAGRAMDIH is BKID0004745. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004745 map to this branch in SAGRAMDIH DIST DHANBAD, JHARKHAND.
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Sagramdih branch in Sagramdih Dist Dhanbad, Jharkhand is part of this network and uses the IFSC code BKID0004745 for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Sagramdih |
| IFSC Code | BKID0004745 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SANGRAMDIH GRAM PANCHAYAT BHAVANVILLLODHARIAAT PO TUNDI DIST DHANBAD |
| City | Sagramdih Dist Dhanbad |
| District | Sagramdih Dist Dhanbad |
| State | Jharkhand |
| STD Code | 91 |
| Phone | 9234364410 |
About this branch
The branch is located at SANGRAMDIH GRAM PANCHAYAT BHAVANVILLLODHARIAAT PO TUNDI DIST DHANBAD. It serves the Sagramdih Dist Dhanbad 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 BKID0004745 is used to identify this branch on the RBI payments network.
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 SAGRAMDIH branch came to be assigned the code BKID0004745.
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 BKID0004745, money simply cannot be routed to the SAGRAMDIH branch electronically.
Account types you can open at the Sagramdih branch
Once you have an account at Bank of India – SAGRAMDIH, the IFSC BKID0004745 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 Sagramdih 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 BKID0004745
How to transfer money using IFSC BKID0004745
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 BKID0004745 across all three.
NEFT to Bank of India, SAGRAMDIH using IFSC BKID0004745
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 BKID0004745, and confirm that the system picks up Bank of India – SAGRAMDIH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SAGRAMDIH
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's SAGRAMDIH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004745 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India SAGRAMDIH (IFSC BKID0004745)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0004745 in your mobile or internet banking app, and the money is credited to the SAGRAMDIH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0004745 for Bank of India – SAGRAMDIH, 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 – BKID0004745 | Yes – BKID0004745 | Yes – BKID0004745 |
For most retail customers crediting the Sagramdih 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 BKID0004745
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 – SAGRAMDIH is still mapped to IFSC BKID0004745. 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 BKID0004745 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Sagramdih 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 BKID0004745 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 & cheque-truncation details
Cheques drawn on the Sagramdih branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0004745 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC BKID0004745
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 – SAGRAMDIH, 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:
BKID0004745. - 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.
Reaching the branch
The Sagramdih branch sits at SANGRAMDIH GRAM PANCHAYAT BHAVANVILLLODHARIAAT PO TUNDI DIST DHANBAD. If you are travelling from outside Sagramdih Dist Dhanbad, search for the branch on a maps application using the bank name and locality, or call 91-9234364410 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 BKID0004745 and your account number.
Verifying IFSC BKID0004745 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 BKID0004745 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9234364410.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Sagramdih 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 BKID0004745 continue to work without interruption.
Branch address & contact
Bank of IndiaSagramdih Branch
SANGRAMDIH GRAM PANCHAYAT BHAVANVILLLODHARIAAT PO TUNDI DIST DHANBAD
Sagramdih Dist Dhanbad, Jharkhand
Phone: 91-9234364410
IFSC: BKID0004745
Frequently asked questions
Is IFSC BKID0004745 the same for all accounts at Sagramdih branch?
Yes. The IFSC BKID0004745 is shared by every account held at Bank of India's Sagramdih branch. Only the account number changes from customer to customer.
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 Sagramdih branch but serve different purposes.
How quickly will an NEFT transfer using BKID0004745 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Sagramdih reflect within 30 minutes.
Can I use IFSC BKID0004745 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0004745 to send funds instantly.
Does Bank of India Sagramdih branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9234364410 to confirm.
What is the IFSC code of Bank of India Sagramdih branch?
The IFSC code of Bank of India, Sagramdih branch is BKID0004745. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code BKID0004745 belongs to Bank of India's SAGRAMDIH branch, located at SANGRAMDIH GRAM PANCHAYAT BHAVANVILLLODHARIAAT PO TUNDI DIST DHANBAD in SAGRAMDIH DIST DHANBAD, 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.
