If you are searching for the IFSC code of Bank of India, DIAMOND HARBOUR branch in SOUTH XXIV PARGANAS, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is BKID0004145. 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 DIAMOND HARBOUR branch, and detailed step-by-step guides for using the IFSC BKID0004145 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 DIAMOND HARBOUR branch, the IFSC BKID0004145 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 004145 identifies this particular branch.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Diamond Harbour |
| IFSC Code | BKID0004145 |
| MICR Code | Refer to cheque leaf |
| Branch Address | TARA MAA VILLA DIAMOND HARBOUR ROADNEW TOWN DIAMOND HARBOUR SOUTH 24 PARGANAS |
| City | South Xxiv Parganas |
| District | South 24 Parganas |
| State | West Bengal |
| STD Code | 91 |
| Phone | 9638576252 |
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Diamond Harbour branch in South Xxiv Parganas, West Bengal is part of this network and uses the IFSC code BKID0004145 for all electronic settlement.
About the Diamond Harbour branch
The Diamond Harbour branch of Bank of India is situated at TARA MAA VILLA DIAMOND HARBOUR ROADNEW TOWN DIAMOND HARBOUR SOUTH 24 PARGANAS. 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 BKID0004145 is used.
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 DIAMOND HARBOUR of Bank of India — its own 11-character IFSC. The code BKID0004145 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 BKID0004145 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC BKID0004145
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 BKID0004145 across all three.
NEFT to Bank of India, DIAMOND HARBOUR using IFSC BKID0004145
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 BKID0004145, and confirm that the system picks up Bank of India – DIAMOND HARBOUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID0004145
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 – DIAMOND HARBOUR, ensure your bank's portal accepts IFSC BKID0004145 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – DIAMOND HARBOUR, use IMPS. With IFSC BKID0004145 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0004145 for Bank of India – DIAMOND HARBOUR, 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 – BKID0004145 | Yes – BKID0004145 | Yes – BKID0004145 |
For most retail customers crediting the Diamond Harbour 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 BKID0004145
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 – DIAMOND HARBOUR is still mapped to IFSC BKID0004145. 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 BKID0004145 and the beneficiary's account number to complete the transfer.
Account types you can open at the Diamond Harbour branch
Once you have an account at Bank of India – DIAMOND HARBOUR, the IFSC BKID0004145 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 Diamond Harbour 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 BKID0004145
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 BKID0004145 and the account number together uniquely identify the Diamond Harbour branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC BKID0004145
Bank of India customers can register for net banking and the bank's official mobile app once their account at the DIAMOND HARBOUR 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 BKID0004145 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.
Common mistakes to avoid when using IFSC BKID0004145
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 – DIAMOND HARBOUR, 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:
BKID0004145. - 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 Diamond Harbour branch
The branch is located at TARA MAA VILLA DIAMOND HARBOUR ROADNEW TOWN DIAMOND HARBOUR SOUTH 24 PARGANAS, which puts it inside South Xxiv Parganas, the broader South 24 Parganas district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Diamond Harbour branch” — the verified location pin for IFSC BKID0004145 should appear at the top of the results.
- Confirm the branch is open by calling 91-9638576252 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 BKID0004145 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0004145 for Bank of India – DIAMOND HARBOUR, 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 Diamond Harbour 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 BKID0004145 continue to work without interruption.
Branch address & contact
Bank of IndiaDiamond Harbour Branch
TARA MAA VILLA DIAMOND HARBOUR ROADNEW TOWN DIAMOND HARBOUR SOUTH 24 PARGANAS
South Xxiv Parganas, West Bengal
Phone: 91-9638576252
IFSC: BKID0004145
Frequently asked questions
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 Diamond Harbour branch but serve different purposes.
How do I add Bank of India Diamond Harbour as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0004145, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC BKID0004145 valid for NEFT and RTGS?
Yes. IFSC BKID0004145 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC BKID0004145 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0004145 to send funds instantly.
What is the phone number of Bank of India Diamond Harbour branch?
You can reach the branch at 91-9638576252 during regular banking hours.
How quickly will an NEFT transfer using BKID0004145 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Diamond Harbour reflect within 30 minutes.
Where is Bank of India Diamond Harbour branch located?
Bank of India's Diamond Harbour branch is located at TARA MAA VILLA DIAMOND HARBOUR ROADNEW TOWN DIAMOND HARBOUR SOUTH 24 PARGANAS, South Xxiv Parganas, West Bengal.
Final notes
To recap: BKID0004145 is the IFSC code of Bank of India, DIAMOND HARBOUR branch, in SOUTH XXIV PARGANAS, WEST BENGAL. 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.
