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 Mall branch in Lucknow, Lucknow, or Uttar Pradesh, 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 Lucknow or anywhere in Uttar Pradesh can transfer funds instantly by using the correct IFSC Code BKID0AG0007. 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, Mall, Lucknow
The table below shows the main details of the IFSC Code BKID0AG0007 for the Bank Of India branch in Lucknow, which falls under the Lucknow district in Uttar Pradesh.
| Particulars | Details |
|---|---|
| Bank | Bank Of India |
| IFSC Code | BKID0AG0007 |
| Branch | Mall |
| City | Lucknow |
| District | Lucknow |
| State | Uttar Pradesh |
| Address | Atpostmall Lucknow Pin227115 |
These details are essential not only for online banking users but also for businesses and individuals who use Bank Of India in Lucknow for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code BKID0AG0007 for the Mall branch of Bank Of India plays 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 Mall, Lucknow, Uttar Pradesh, are allotted a unique IFSC like BKID0AG0007 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 Mall reaches the right place, even though there are thousands of branches in Uttar Pradesh and across India.
Format of the IFSC Code BKID0AG0007
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): These represent the bank code. In Bank Of India, they are a short identifier for the bank.
- 5th character (0): This is always zero and is reserved for future use.
- Last 6 characters (CCCCCC): These are what represent the specific branch code which is assigned to branches like Mall in Lucknow.
For example, the IFSC Code BKID0AG0007 of Bank Of India for the Mall branch has 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 looking for the IFSC Code BKID0AG0007 of Bank Of India for its Mall branch located in Lucknow, the following methods can help:
Cheque Book
The cheque book that is issued by Bank Of India includes the IFSC Code printed on each cheque leaf. You can easily spot the code at the top section.
Passbook
Most of the banks, including Bank Of India branches in Lucknow and Lucknow, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
You can visit the official website of Bank Of India and look for the branch locator section, then search for Mall or Lucknow to get the exact IFSC Code BKID0AG0007.
Mobile Banking App
If you use Bank Of India's mobile app, you can check your account details to easily find your branch's IFSC code.
RBI Website
The Reserve Bank of India has an updated database of all IFSC codes and if you are searching for Bank Of India and Lucknow, then it will provide you proper information.
How to Use IFSC Code BKID0AG0007 for Online Transfers?
Once you have the IFSC Code BKID0AG0007 for the Mall branch of Bank Of India in Lucknow, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code BKID0AG0007. The transfer is completed in batches instead of instantly. It is useful for both 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. Requires the recipient's account details and Bank Of India IFSC Code BKID0AG0007.
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 Mall in Lucknow, your payment can get delayed or might not go through at all.
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 Mall, 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 Mall Lucknow branch is BKID0AG0007.
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 Atpostmall Lucknow Pin227115.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.