This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, UNA branch in UNA. The 11-digit IFSC BKID0003319 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Bank of India at the UNA location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 UNA branch, the IFSC BKID0003319 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 003319 identifies this particular branch.
Bank profile
Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Una branch — IFSC BKID0003319 — extends the bank's services to customers in and around Una, Gujarat.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Una |
| IFSC Code | BKID0003319 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ABHAY COMPLEX 1ST FLOOR NEAR ST BUS STANDUNA DIST JUNAGARH PIN 362560 |
| City | Una |
| District | Una |
| State | Gujarat |
| STD Code | 2875 |
| Phone | 2875222529 |
About this branch
The branch is located at ABHAY COMPLEX 1ST FLOOR NEAR ST BUS STANDUNA DIST JUNAGARH PIN 362560. It serves the Una 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 BKID0003319 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 UNA branch came to be assigned the code BKID0003319.
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 BKID0003319, money simply cannot be routed to the UNA branch electronically.
Products and account variants supported
Every account opened at the Una branch is mapped to IFSC BKID0003319 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 BKID0003319.
Products and services
Customers walking into the Una 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 BKID0003319
How to transfer money using IFSC BKID0003319
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 BKID0003319 across all three.
How to use IFSC BKID0003319 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's UNA 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 BKID0003319.
- Confirm the bank name auto-populates as Bank of India and the branch as UNA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to UNA
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's UNA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0003319 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India UNA (IFSC BKID0003319)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0003319 in your mobile or internet banking app, and the money is credited to the UNA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID0003319 for Bank of India – UNA, 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 – BKID0003319 | Yes – BKID0003319 | Yes – BKID0003319 |
For most retail customers crediting the Una 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 UNA branch, the IFSC BKID0003319 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.
Online banking and IFSC BKID0003319
Bank of India customers can register for net banking and the bank's official mobile app once their account at the UNA 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 BKID0003319 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 BKID0003319 and the account number together uniquely identify the Una 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 – UNA:
- The IFSC is exactly BKID0003319 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 UNA 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 Una branch sits at ABHAY COMPLEX 1ST FLOOR NEAR ST BUS STANDUNA DIST JUNAGARH PIN 362560. If you are travelling from outside Una, search for the branch on a maps application using the bank name and locality, or call 2875-2875222529 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 BKID0003319 and your account number.
Verifying IFSC BKID0003319 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 BKID0003319 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2875-2875222529.
- 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 Una branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0003319, however, work 24x7.
Branch address & contact
Bank of IndiaUna Branch
ABHAY COMPLEX 1ST FLOOR NEAR ST BUS STANDUNA DIST JUNAGARH PIN 362560
Una, Gujarat
Phone: 2875-2875222529
IFSC: BKID0003319
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 Una branch but serve different purposes.
Can I use IFSC BKID0003319 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID0003319 to send funds instantly.
What is the phone number of Bank of India Una branch?
You can reach the branch at 2875-2875222529 during regular banking hours.
Is IFSC BKID0003319 the same for all accounts at Una branch?
Yes. The IFSC BKID0003319 is shared by every account held at Bank of India's Una branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using BKID0003319 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Una reflect within 30 minutes.
How do I add Bank of India Una as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0003319, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Bank of India Una branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2875-2875222529 to confirm.
Is IFSC BKID0003319 valid for NEFT and RTGS?
Yes. IFSC BKID0003319 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code BKID0003319 belongs to Bank of India's UNA branch, located at ABHAY COMPLEX 1ST FLOOR NEAR ST BUS STANDUNA DIST JUNAGARH PIN 362560 in UNA, GUJARAT. 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.
