If you are searching for the IFSC code of Bank of India, SAHSARAM branch in SAHSARAM DIST SITAMARHI, BIHAR, this page has every detail you need. The verified IFSC code for this branch is BKID0004435. 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 SAHSARAM branch, and detailed step-by-step guides for using the IFSC BKID0004435 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.
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 SAHSARAM branch, the IFSC BKID0004435 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 004435 identifies this particular branch.
About Bank of India
Bank of India operates a wide network of branches across India, including the Sahsaram branch in Sahsaram Dist Sitamarhi. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, BKID0004435.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Sahsaram |
| IFSC Code | BKID0004435 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT PO BARAHIDISTRICT SITAMARHI |
| City | Sahsaram Dist Sitamarhi |
| District | Sahsaram Dist Sitamarhi |
| State | Bihar |
| STD Code | 91 |
| Phone | 89208 |
About this branch
The branch is located at AT PO BARAHIDISTRICT SITAMARHI. It serves the Sahsaram Dist Sitamarhi 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 BKID0004435 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 SAHSARAM branch came to be assigned the code BKID0004435.
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 BKID0004435, money simply cannot be routed to the SAHSARAM branch electronically.
Products and account variants supported
Every account opened at the Sahsaram branch is mapped to IFSC BKID0004435 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 BKID0004435.
Products and services
Customers walking into the Sahsaram 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 BKID0004435
How to transfer money using IFSC BKID0004435
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 BKID0004435 across all three.
How to use IFSC BKID0004435 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's SAHSARAM 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC BKID0004435.
- Confirm the bank name auto-populates as Bank of India and the branch as SAHSARAM.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BKID0004435
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 – SAHSARAM, ensure your bank's portal accepts IFSC BKID0004435 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of India SAHSARAM (IFSC BKID0004435)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0004435 in your mobile or internet banking app, and the money is credited to the SAHSARAM branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Sahsaram
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 BKID0004435:
- 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 SAHSARAM is still linked to IFSC BKID0004435.
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 BKID0004435
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 – SAHSARAM is still mapped to IFSC BKID0004435. 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 BKID0004435 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 Sahsaram 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 BKID0004435 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 Sahsaram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0004435 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 BKID0004435
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 – SAHSARAM, 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:
BKID0004435. - 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.
How to reach the Sahsaram branch
The branch is located at AT PO BARAHIDISTRICT SITAMARHI, which puts it inside Sahsaram Dist Sitamarhi, the broader Sahsaram Dist Sitamarhi district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Sahsaram branch” — the verified location pin for IFSC BKID0004435 should appear at the top of the results.
- Confirm the branch is open by calling 91-89208 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 BKID0004435 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0004435 for Bank of India – SAHSARAM, 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 Sahsaram 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 BKID0004435 continue to work without interruption.
Branch address & contact
Bank of IndiaSahsaram Branch
AT PO BARAHIDISTRICT SITAMARHI
Sahsaram Dist Sitamarhi, Bihar
Phone: 91-89208
IFSC: BKID0004435
Frequently asked questions
Can I use IFSC BKID0004435 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0004435 to send funds instantly.
What is the IFSC code of Bank of India Sahsaram branch?
The IFSC code of Bank of India, Sahsaram branch is BKID0004435. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Bank of India Sahsaram branch?
You can reach the branch at 91-89208 during regular banking hours.
Is IFSC BKID0004435 valid for NEFT and RTGS?
Yes. IFSC BKID0004435 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Bank of India Sahsaram branch located?
Bank of India's Sahsaram branch is located at AT PO BARAHIDISTRICT SITAMARHI, Sahsaram Dist Sitamarhi, Bihar.
Does Bank of India Sahsaram branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-89208 to confirm.
Is IFSC BKID0004435 the same for all accounts at Sahsaram branch?
Yes. The IFSC BKID0004435 is shared by every account held at Bank of India's Sahsaram 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 Sahsaram branch but serve different purposes.
Final notes
To recap: BKID0004435 is the IFSC code of Bank of India, SAHSARAM branch, in SAHSARAM DIST SITAMARHI, BIHAR. 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.
