There is one important element for digital banking and online financial transactions in India that ensures seamless and accurate fund transfers is the IFSC Code. For sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to make the route of your payment to the right branch. In case you are searching for the IFSC Code of Bank Of India for its Itaunja branch in Lucknow, Lucknow, Uttar Pradesh, then this comprehensive guide will provide you with detailed information.
The banking system in India has changed over time, and today the customers of Bank Of India situated in Lucknow or anywhere in Uttar Pradesh can easily transfer funds instantly by using the correct IFSC Code BKID0AG0021. You should 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, Itaunja, Lucknow
Below in the table are the key details related to IFSC Code BKID0AG0021 of Bank Of India for its branch located in Lucknow, within the district of Lucknow in the state of Uttar Pradesh.
| Particulars | Details |
|---|---|
| Bank | Bank Of India |
| IFSC Code | BKID0AG0021 |
| Branch | Itaunja |
| City | Lucknow |
| District | Lucknow |
| State | Uttar Pradesh |
| Address | Opp Rps Inter College Itaunja Pin227205 |
These details are crucial, not just for online banking users but also for businesses and individuals who use Bank Of India in Lucknow for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code BKID0AG0021 for the Itaunja 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 provided by the Reserve Bank of India. Every bank branch, along with Bank Of India located in Itaunja, Lucknow, Uttar Pradesh, are allotted a unique IFSC like BKID0AG0021 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Lucknow.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Lucknow and Lucknow.
- 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 Itaunja reaches the right place, even though there are thousands of branches in Uttar Pradesh and across India.
Format of the IFSC Code BKID0AG0021
The format of the IFSC Code for banks, including Bank Of India, has 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 Itaunja in Lucknow.
For example, the IFSC Code BKID0AG0021 of Bank Of India for the Itaunja branch includes these elements, identifying the bank and the branch location in Lucknow and Uttar Pradesh correctly.
How to Find IFSC Code for Bank Of India?
If you are trying to find the IFSC Code BKID0AG0021 of Bank Of India for its Itaunja branch located in Lucknow, the following methods can help:
Cheque Book
The cheque book issued by Bank Of India includes the IFSC Code printed on each cheque leaf which you can easily spot on the top section.
Passbook
You can easily find the IFSC and MICR codes because most banks, including Bank Of India branches in Lucknow and Lucknow, print them on the first page of your passbook.
Bank Website
Visit the official website of Bank Of India and navigate to the branch locator section. Search for Itaunja or Lucknow to get the exact IFSC Code BKID0AG0021.
Mobile Banking App
If you use Bank Of India's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India keeps an updated list of all IFSC codes. If you search for Bank Of India and Lucknow, you'll get the correct details.
How to Use IFSC Code BKID0AG0021 for Online Transfers?
If you have the IFSC Code BKID0AG0021 for the Itaunja branch of Bank Of India in Lucknow, you can easily go ahead with fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code BKID0AG0021. Transfers are processed in batches. Suitable for personal and business payments.
RTGS
Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Asks for the recipient's account details and Bank Of India IFSC Code BKID0AG0021.
Whatever method you choose, the accuracy of the IFSC Code is important and needed. In case there is any mistake in entering the IFSC Code for Bank Of India Itaunja in Lucknow, it may result in delayed or failed transactions.
Finding the MICR Code
MICR codes are used for cheque clearance and are very different from IFSC codes. If you are looking for the MICR code of Bank Of India in Itaunja, here are some of the ways 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.
Knowing both IFSC and MICR code can help account holders in Lucknow manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code of the Itaunja Lucknow branch is BKID0AG0021.
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 Opp Rps Inter College Itaunja Pin227205.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.