This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of India, MOHAN branch in UNNAO. The 11-digit IFSC BKID0007321 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 MOHAN 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 MOHAN branch, the IFSC BKID0007321 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 007321 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 Mohan branch — IFSC BKID0007321 — extends the bank's services to customers in and around Unnao, Uttar Pradesh.
About this branch
The branch is located at MOHAN GANDHI MISSION HMKD INTER COLLEGUNNAO. It serves the Unnao 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 BKID0007321 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Mohan |
| IFSC Code | BKID0007321 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MOHAN GANDHI MISSION HMKD INTER COLLEGUNNAO |
| City | Unnao |
| District | Unnao |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 5143232265 |
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 MOHAN of Bank of India — its own 11-character IFSC. The code BKID0007321 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 BKID0007321 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Mohan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID0007321 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC BKID0007321
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 BKID0007321 across all three.
How to use IFSC BKID0007321 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's MOHAN 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 BKID0007321.
- Confirm the bank name auto-populates as Bank of India and the branch as MOHAN.
- 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 MOHAN
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's MOHAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0007321 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 – MOHAN, use IMPS. With IFSC BKID0007321 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 BKID0007321 for Bank of India – MOHAN, 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 – BKID0007321 | Yes – BKID0007321 | Yes – BKID0007321 |
For most retail customers crediting the Mohan 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 BKID0007321
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 – MOHAN is still mapped to IFSC BKID0007321. 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 BKID0007321 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Mohan branch is mapped to IFSC BKID0007321 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 BKID0007321.
Products and services
Customers walking into the Mohan 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 BKID0007321
Online banking and IFSC BKID0007321
Bank of India customers can register for net banking and the bank's official mobile app once their account at the MOHAN 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 BKID0007321 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 Mohan branch
The branch is located at MOHAN GANDHI MISSION HMKD INTER COLLEGUNNAO, which puts it inside Unnao, the broader Unnao district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Mohan branch” — the verified location pin for IFSC BKID0007321 should appear at the top of the results.
- Confirm the branch is open by calling 91-5143232265 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 BKID0007321 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 – MOHAN:
- The IFSC is exactly BKID0007321 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 MOHAN 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 Mohan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0007321, however, work 24x7.
Verifying IFSC BKID0007321 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 BKID0007321 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-5143232265.
- Visiting the bank's official branch locator page.
Branch address & contact
Bank of IndiaMohan Branch
MOHAN GANDHI MISSION HMKD INTER COLLEGUNNAO
Unnao, Uttar Pradesh
Phone: 91-5143232265
IFSC: BKID0007321
Frequently asked questions
What is the IFSC code of Bank of India Mohan branch?
The IFSC code of Bank of India, Mohan branch is BKID0007321. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Bank of India Mohan as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID0007321, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC BKID0007321 valid for NEFT and RTGS?
Yes. IFSC BKID0007321 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using BKID0007321 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Mohan reflect within 30 minutes.
Is IFSC BKID0007321 the same for all accounts at Mohan branch?
Yes. The IFSC BKID0007321 is shared by every account held at Bank of India's Mohan branch. Only the account number changes from customer to customer.
Where is Bank of India Mohan branch located?
Bank of India's Mohan branch is located at MOHAN GANDHI MISSION HMKD INTER COLLEGUNNAO, Unnao, Uttar Pradesh.
Summary
The IFSC code BKID0007321 belongs to Bank of India's MOHAN branch, located at MOHAN GANDHI MISSION HMKD INTER COLLEGUNNAO in UNNAO, UTTAR PRADESH. 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.
