For digital banking and online financial transactions in India, one essential element that makes sure of a seamless and accurate fund transfers is the IFSC Code. If you are sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to route your payment to the right branch. And so, in case you are searching for the IFSC Code of Bank Of India for its Gaighat branch in Bahraich, Bhinga, Uttar Pradesh, this comprehensive guide will provide you with detailed information.
The banking system in India has changed significantly over the years, and today customers of Bank Of India located in Bahraich or anywhere in Uttar Pradesh can transfer funds instantly by using the correct IFSC Code BKID0AG1812. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.
Details of IFSC Code for Bank Of India, Gaighat, Bahraich
The table below shows the main details of the IFSC Code BKID0AG1812 for the Bank Of India branch in Bahraich, which falls under the Bhinga district in Uttar Pradesh.
| Particulars | Details |
|---|---|
| Bank | Bank Of India |
| IFSC Code | BKID0AG1812 |
| Branch | Gaighat |
| City | Bahraich |
| District | Bhinga |
| State | Uttar Pradesh |
| Address | Vill Gaighat Blockbalha Pogaighat Tahsilnanpara Pin271865 |
These details are important not only for users using online banking but also for businesses and individuals who use Bank Of India in Bahraich for everyday financial transactions. If you are depositing money, sending payments, or managing any commercial transfers, the IFSC Code BKID0AG1812 for the Gaighat branch of Bank Of India is vital.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Bank Of India located in Gaighat, Bahraich, Uttar Pradesh, are allotted a unique IFSC like BKID0AG1812 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Bahraich.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Bahraich and Bhinga.
- It reduces errors in fund transfers and improves accuracy.
- It helps the sender banks to validate and confirm branch details before processing payments.
It makes sure that money sent to Bank Of India in Gaighat reaches the right place, even though there are thousands of branches in Uttar Pradesh and across India.
Format of the IFSC Code BKID0AG1812
The format of the IFSC Code for banks, including Bank Of India, follows an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): Show the bank code. For Bank Of India, these letters represent the bank's short name.
- 5th character: Is always zero and is kept for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Gaighat in Bahraich.
For example, the IFSC Code BKID0AG1812 of Bank Of India for the Gaighat branch includes these elements, identifying the bank and the branch location in Bahraich and Uttar Pradesh accurately.
How to Find IFSC Code for Bank Of India?
If you are trying to find the IFSC Code BKID0AG1812 of Bank Of India for its Gaighat branch located in Bahraich, the following methods can help:
Cheque Book
The cheque books that are issued by Bank Of India include the IFSC Code which is printed on each cheque and you can easily spot the code on the top section.
Passbook
Most banks, including Bank Of India branches in Bahraich and Bhinga, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
Visit the official website of Bank Of India and find the branch locator section. Search for Gaighat or Bahraich to get the exact IFSC Code BKID0AG1812.
Mobile Banking App
If you use Bank Of India's mobile app, you can easily check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India maintains an updated database of all IFSC codes to help you in searching for Bank Of India and Bahraich that will provide accurate information.
How to Use IFSC Code BKID0AG1812 for Online Transfers?
Once you have the IFSC Code BKID0AG1812 for the Gaighat branch of Bank Of India in Bahraich, you can start with your fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code BKID0AG1812. Transfers are processed in batches. Suitable for personal and business payments.
RTGS
Used for payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. You need the recipient's account details and Bank Of India IFSC Code BKID0AG1812.
Whatever method you choose, the accuracy of the IFSC Code is highly important. If there is any mistake in entering the IFSC Code for Bank Of India Gaighat in Bahraich, it can result in delayed or failed transactions.
Finding the MICR Code
MICR codes are used for cheque clearance and differ from IFSC codes. If you are looking for the MICR code of Bank Of India in Gaighat, here are some ways that you can get it:
- Check the bottom of your cheque leaf.
- Refer to the first page of your passbook.
- Visit the official Bank Of India website.
- Search the RBI portal.
If you know both IFSC and MICR codes, then it can help account holders in Bahraich manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is BKID0AG1812.
Yes, but there can be changes during mergers or restructuring.
No, MICR is for cheque clearing and the IFSC is for online transfers.
You can easily find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is Vill Gaighat Blockbalha Pogaighat Tahsilnanpara Pin271865 located in Bahraich, Bhinga, Uttar Pradesh.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.