Below are the complete branch details for Bank of India, SAMANA branch, located in SAMANA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is BKID0006318. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case BKID0006318 for Bank of India – SAMANA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, BKID0006318 is the IFSC of Bank of India's SAMANA branch. The format is fixed: BKID = bank code, 0 = reserved, 006318 = 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 Samana branch in Samana, Punjab is part of this network and uses the IFSC code BKID0006318 for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Samana |
| IFSC Code | BKID0006318 |
| MICR Code | Refer to cheque leaf |
| Branch Address | TEHSIL ROAD SAMANADISTT PATIALA 147101 |
| City | Samana |
| District | Samana |
| State | Punjab |
| STD Code | 91 |
| Phone | 7283233183 |
Samana branch overview
Located at TEHSIL ROAD SAMANADISTT PATIALA 147101, the Samana branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0006318 is required for all interbank electronic transfers routed through this branch.
Why every Bank of India branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including SAMANA of Bank of India — its own 11-character IFSC. The code BKID0006318 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC BKID0006318 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Samana branch is mapped to IFSC BKID0006318 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 BKID0006318.
Products and services
Customers walking into the Samana 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 BKID0006318
How to transfer money using IFSC BKID0006318
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 BKID0006318 across all three.
How to use IFSC BKID0006318 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's SAMANA 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 BKID0006318.
- Confirm the bank name auto-populates as Bank of India and the branch as SAMANA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BKID0006318
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 – SAMANA, ensure your bank's portal accepts IFSC BKID0006318 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of India SAMANA (IFSC BKID0006318)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0006318 in your mobile or internet banking app, and the money is credited to the SAMANA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0006318 for Bank of India – SAMANA, 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 – BKID0006318 | Yes – BKID0006318 | Yes – BKID0006318 |
For most retail customers crediting the Samana 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 BKID0006318
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 – SAMANA is still mapped to IFSC BKID0006318. 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 BKID0006318 and the beneficiary's account number to complete the transfer.
Online banking and IFSC BKID0006318
Bank of India customers can register for net banking and the bank's official mobile app once their account at the SAMANA 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 BKID0006318 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 BKID0006318 and the account number together uniquely identify the Samana 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 – SAMANA:
- The IFSC is exactly BKID0006318 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 SAMANA 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.
Reaching the branch
The Samana branch sits at TEHSIL ROAD SAMANADISTT PATIALA 147101. If you are travelling from outside Samana, search for the branch on a maps application using the bank name and locality, or call 91-7283233183 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 BKID0006318 and your account number.
Verifying IFSC BKID0006318 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 BKID0006318 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7283233183.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Samana branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0006318, however, work 24x7.
Branch address & contact
Bank of IndiaSamana Branch
TEHSIL ROAD SAMANADISTT PATIALA 147101
Samana, Punjab
Phone: 91-7283233183
IFSC: BKID0006318
Frequently asked questions
Where is Bank of India Samana branch located?
Bank of India's Samana branch is located at TEHSIL ROAD SAMANADISTT PATIALA 147101, Samana, Punjab.
How quickly will an NEFT transfer using BKID0006318 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Samana reflect within 30 minutes.
What is the phone number of Bank of India Samana branch?
You can reach the branch at 91-7283233183 during regular banking hours.
Does Bank of India Samana branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7283233183 to confirm.
Is IFSC BKID0006318 valid for NEFT and RTGS?
Yes. IFSC BKID0006318 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC BKID0006318 the same for all accounts at Samana branch?
Yes. The IFSC BKID0006318 is shared by every account held at Bank of India's Samana branch. Only the account number changes from customer to customer.
Can I use IFSC BKID0006318 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0006318 to send funds instantly.
Summary
The IFSC code BKID0006318 belongs to Bank of India's SAMANA branch, located at TEHSIL ROAD SAMANADISTT PATIALA 147101 in SAMANA, PUNJAB. 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.
