IFSC Code of Bank of India, Siswan Chainpur Branch, Bihar

If you are searching for the IFSC code of Bank of India, SISWAN CHAINPUR branch in SISWAN CHAINPUR DIST SIWAN, BIHAR, this page has every detail you need. The verified IFSC code for this branch is BKID0004451. 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 SISWAN CHAINPUR branch, and detailed step-by-step guides for using the IFSC BKID0004451 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, BKID0004451 is the IFSC of Bank of India's SISWAN CHAINPUR branch. The format is fixed: BKID = bank code, 0 = reserved, 004451 = branch identifier.

Bank profile

Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Siswan Chainpur branch — IFSC BKID0004451 — extends the bank's services to customers in and around Siswan Chainpur Dist Siwan, Bihar.

About the Siswan Chainpur branch

The Siswan Chainpur branch of Bank of India is situated at AT POST CHAINPURDISTRICT SIWAN. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code BKID0004451 is used.

Branch details at a glance

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 SISWAN CHAINPUR branch came to be assigned the code BKID0004451.

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 BKID0004451, money simply cannot be routed to the SISWAN CHAINPUR branch electronically.

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 BKID0004451 and the account number together uniquely identify the Siswan Chainpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC BKID0004451

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 BKID0004451 across all three.

NEFT to Bank of India, SISWAN CHAINPUR using IFSC BKID0004451

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 BKID0004451, and confirm that the system picks up Bank of India – SISWAN CHAINPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SISWAN CHAINPUR

If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's SISWAN CHAINPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004451 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Bank of India – SISWAN CHAINPUR, use IMPS. With IFSC BKID0004451 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Siswan Chainpur

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 BKID0004451:

• 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 SISWAN CHAINPUR is still linked to IFSC BKID0004451.

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 BKID0004451

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 – SISWAN CHAINPUR is still mapped to IFSC BKID0004451. 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 BKID0004451 and the beneficiary's account number to complete the transfer.

Account types you can open at the Siswan Chainpur branch

Once you have an account at Bank of India – SISWAN CHAINPUR, the IFSC BKID0004451 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.

Banking services available

The Siswan Chainpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6154-615479320.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC BKID0004451

Online banking and IFSC BKID0004451

Bank of India customers can register for net banking and the bank's official mobile app once their account at the SISWAN CHAINPUR 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 BKID0004451 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.

How to reach the Siswan Chainpur branch

The branch is located at AT POST CHAINPURDISTRICT SIWAN, which puts it inside Siswan Chainpur Dist Siwan, the broader Siswan Chainpur Dist Siwan district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of India Siswan Chainpur branch” — the verified location pin for IFSC BKID0004451 should appear at the top of the results.
2. Confirm the branch is open by calling 6154-615479320 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 BKID0004451 and your account number.

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 – SISWAN CHAINPUR:

• The IFSC is exactly BKID0004451 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 SISWAN CHAINPUR 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.

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 Siswan Chainpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0004451, however, work 24x7.

Verifying IFSC BKID0004451 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 BKID0004451 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 6154-615479320.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BKID0004451 belongs to Bank of India's SISWAN CHAINPUR branch, located at AT POST CHAINPURDISTRICT SIWAN in SISWAN CHAINPUR DIST SIWAN, BIHAR. 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.