Digital banking and online financial transactions in India uses one essential element that ensures you have a seamless and accurate fund transfers, it is the IFSC Code. Banks need the correct IFSC Code for NEFT, RTGS, or IMPS transfers to reach the right branch. If you are looking for the IFSC Code of Bank Of India for its Howrah Retail Hub branch in Howrah, Howrah, or West Bengal, this guide will help you with all the details.
There have been major changes in the banking sector in India and today, the customers of Bank Of India located in Howrah or anywhere in West Bengal can transfer funds instantly by using the correct IFSC Code BKID0004082. You should definitely know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.
Details of IFSC Code for Bank Of India, Howrah Retail Hub, Howrah
The table below shows the main details of the IFSC Code BKID0004082 for the Bank Of India branch in Howrah, which falls under the Howrah district in West Bengal.
| Particulars | Details |
|---|---|
| Bank | Bank Of India |
| IFSC Code | BKID0004082 |
| Branch | Howrah Retail Hub |
| City | Howrah |
| District | Howrah |
| State | West Bengal |
| Address | 43 G T Road Southhowrah |
These details are crucial, not just for online banking users but also for businesses and individuals who use Bank Of India in Howrah for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code BKID0004082 for the Howrah Retail Hub branch of Bank Of India has an important role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code that is provided by the Reserve Bank of India. A unique IFSC like BKID0004082 is given to every bank branch, including Bank Of India located in Howrah Retail Hub, Howrah, West Bengal, to make sure that online payments reach the right place.
The IFSC Code is important because:
- It uniquely identifies the Bank Of India branch in Howrah.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any kind of confusion between multiple branches of the same bank across different places like Howrah and Howrah.
- It removes errors in fund transfers and improves accuracy.
- It lets the sender banks validate and confirm branch details before they process the payments.
There are thousands of branches across West Bengal and the rest of India, which is why the IFSC Code ensures that transactions meant for Bank Of India in Howrah Retail Hub doesn't end up at another location.
Format of the IFSC Code BKID0004082
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 Howrah Retail Hub in Howrah.
For example, the IFSC Code BKID0004082 of Bank Of India for the Howrah Retail Hub branch includes these elements, identifying the bank and the branch location in Howrah and West Bengal accurately.
How to Find IFSC Code for Bank Of India?
If you are trying to find the IFSC Code BKID0004082 of Bank Of India for its Howrah Retail Hub branch located in Howrah, 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 Howrah and Howrah, 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 Howrah Retail Hub or Howrah to get the exact IFSC Code BKID0004082.
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 Howrah that will provide accurate information.
How to Use IFSC Code BKID0004082 for Online Transfers?
Once you have the IFSC Code BKID0004082 for the Howrah Retail Hub branch of Bank Of India in Howrah, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code BKID0004082. The transfer is completed in batches. It is useful for both personal and business payments.
RTGS
Used for payments over ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Requires the recipient's account details and Bank Of India IFSC Code BKID0004082.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Bank Of India Howrah Retail Hub in Howrah, your payment can get delayed or might not go through at all.
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 Howrah Retail Hub, 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 Howrah manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code of the Howrah Retail Hub Howrah branch is BKID0004082.
Yes, the IFSC Code remains the same unless the bank undergoes a merger or restructuring.
No. IFSC is used for online fund transfers, while MICR is used for cheque processing and clearance.
You can find it on cheque books, passbooks, bank websites, mobile banking apps, and the RBI website.
The branch is located at 43 G T Road Southhowrah.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.