Use this page as a one-stop reference for everything related to Bank of India's AHWA branch in SURAT, GUJARAT. The branch's IFSC code BKID0002772 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.
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, BKID0002772 is the IFSC of Bank of India's AHWA branch. The format is fixed: BKID = bank code, 0 = reserved, 002772 = branch identifier.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Ahwa |
| IFSC Code | BKID0002772 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BANK OF INDIA AHWA BRANCH MISSION COLONY OPPOSITE DANG SEVA MANDAL NAVAPUR MAIN ROAD AHWA DIST.DANG PIN CODE-394710 |
| City | Surat |
| District | Dang |
| State | Gujarat |
| STD Code | 2631 |
| Phone | 9033570440 |
About Bank of India
Bank of India operates a wide network of branches across India, including the Ahwa branch in Surat. 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, BKID0002772.
About the Ahwa branch
The Ahwa branch of Bank of India is situated at BANK OF INDIA AHWA BRANCH MISSION COLONY OPPOSITE DANG SEVA MANDAL NAVAPUR MAIN ROAD AHWA DIST.DANG PIN CODE-394710. 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 BKID0002772 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 AHWA of Bank of India — its own 11-character IFSC. The code BKID0002772 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 BKID0002772 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 BKID0002772
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 BKID0002772 across all three.
NEFT to Bank of India, AHWA using IFSC BKID0002772
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 BKID0002772, and confirm that the system picks up Bank of India – AHWA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to AHWA
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's AHWA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0002772 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India AHWA (IFSC BKID0002772)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0002772 in your mobile or internet banking app, and the money is credited to the AHWA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0002772 for Bank of India – AHWA, 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 – BKID0002772 | Yes – BKID0002772 | Yes – BKID0002772 |
For most retail customers crediting the Ahwa 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.
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 AHWA branch, the IFSC BKID0002772 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.
Products and account variants supported
Every account opened at the Ahwa branch is mapped to IFSC BKID0002772 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 BKID0002772.
Products and services
Customers walking into the Ahwa 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 BKID0002772
MICR & cheque-truncation details
Cheques drawn on the Ahwa branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0002772 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Ahwa 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 BKID0002772 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.
Common mistakes to avoid when using IFSC BKID0002772
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 – AHWA, 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:
BKID0002772. - 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 Ahwa branch
The branch is located at BANK OF INDIA AHWA BRANCH MISSION COLONY OPPOSITE DANG SEVA MANDAL NAVAPUR MAIN ROAD AHWA DIST.DANG PIN CODE-394710, which puts it inside Surat, the broader Dang district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Ahwa branch” — the verified location pin for IFSC BKID0002772 should appear at the top of the results.
- Confirm the branch is open by calling 2631-9033570440 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 BKID0002772 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID0002772 for Bank of India – AHWA, 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.
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 Ahwa branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0002772, however, work 24x7.
Branch address & contact
Bank of IndiaAhwa Branch
BANK OF INDIA AHWA BRANCH MISSION COLONY OPPOSITE DANG SEVA MANDAL NAVAPUR MAIN ROAD AHWA DIST.DANG PIN CODE-394710
Surat, Gujarat
Phone: 2631-9033570440
IFSC: BKID0002772
Frequently asked questions
Does Bank of India Ahwa branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2631-9033570440 to confirm.
How quickly will an NEFT transfer using BKID0002772 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Ahwa reflect within 30 minutes.
How do I add Bank of India Ahwa as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0002772, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Ahwa branch but serve different purposes.
Can I use IFSC BKID0002772 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0002772 to send funds instantly.
Where is Bank of India Ahwa branch located?
Bank of India's Ahwa branch is located at BANK OF INDIA AHWA BRANCH MISSION COLONY OPPOSITE DANG SEVA MANDAL NAVAPUR MAIN ROAD AHWA DIST.DANG PIN CODE-394710, Surat, Gujarat.
Is IFSC BKID0002772 valid for NEFT and RTGS?
Yes. IFSC BKID0002772 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC BKID0002772 the same for all accounts at Ahwa branch?
Yes. The IFSC BKID0002772 is shared by every account held at Bank of India's Ahwa branch. Only the account number changes from customer to customer.
Final notes
To recap: BKID0002772 is the IFSC code of Bank of India, AHWA branch, in SURAT, GUJARAT. 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.
