IFSC Code of Bank of India, Barharwa Branch, Jharkhand

Use this page as a one-stop reference for everything related to Bank of India's BARHARWA branch in SAHIBGANJ, JHARKHAND. The branch's IFSC code BKID0005920 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Bank of India's BARHARWA branch, the IFSC BKID0005920 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 005920 identifies this particular branch.

Bank profile

Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Barharwa branch — IFSC BKID0005920 — extends the bank's services to customers in and around Sahibganj, Jharkhand.

Branch details at a glance

Barharwa branch overview

Located at OPPOSITE SADAR HOSPITAL AT BARHARWA PO BARHARWA DISTT SAHEBGANJ, the Barharwa branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0005920 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 BARHARWA branch came to be assigned the code BKID0005920.

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 BKID0005920, money simply cannot be routed to the BARHARWA branch electronically.

Products and account variants supported

Every account opened at the Barharwa branch is mapped to IFSC BKID0005920 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 BKID0005920.

Products and services

Customers walking into the Barharwa 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 BKID0005920

How to transfer money using IFSC BKID0005920

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 BKID0005920 across all three.

NEFT to Bank of India, BARHARWA using IFSC BKID0005920

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 BKID0005920, and confirm that the system picks up Bank of India – BARHARWA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BARHARWA

If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's BARHARWA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0005920 while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of India BARHARWA (IFSC BKID0005920)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0005920 in your mobile or internet banking app, and the money is credited to the BARHARWA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Barharwa

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 BKID0005920:

• 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 BARHARWA is still linked to IFSC BKID0005920.

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.

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 BARHARWA branch, the IFSC BKID0005920 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.

Online banking and IFSC BKID0005920

Bank of India customers can register for net banking and the bank's official mobile app once their account at the BARHARWA 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 BKID0005920 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.

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 BKID0005920 and the account number together uniquely identify the Barharwa 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 – BARHARWA:

• The IFSC is exactly BKID0005920 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 BARHARWA 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 Barharwa branch

The branch is located at OPPOSITE SADAR HOSPITAL AT BARHARWA PO BARHARWA DISTT SAHEBGANJ, which puts it inside Sahibganj, the broader Sahibganj district, and the state of Jharkhand. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of India Barharwa branch” — the verified location pin for IFSC BKID0005920 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9638576440 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 BKID0005920 and your account number.

Verifying IFSC BKID0005920 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 BKID0005920 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9638576440.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Barharwa 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 BKID0005920 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BKID0005920 belongs to Bank of India's BARHARWA branch, located at OPPOSITE SADAR HOSPITAL AT BARHARWA PO BARHARWA DISTT SAHEBGANJ in SAHIBGANJ, 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.