BKID0004646 - Bank of India, HAVELI KHARAGPUR IFSC Code

Understanding IFSC Code: The Digital DNA of Bank of India

When performing any digital transaction in India, the Indian Financial System Code (IFSC) acts as a critical identifier. For the HAVELI KHARAGPUR branch of Bank of India, the code BKID0004646 ensures that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual errors. In an era of instant payments, having the correct IFSC is as important as the account number itself.

Anatomy of the BKID0004646 Code

An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:

First 4

Bank Identity

"BKID" represents Bank of India

5th Digit

Control Character

Always '0' (Reserved for future use)

Last 6

Branch Locator

Unique code for HAVELI KHARAGPUR

Payment Systems Supported by BKID0004646

System	Transfer Limit	Processing Time
NEFT	No Minimum (Up to ₹50 Lakhs+)	Half-hourly batches (24x7)
RTGS	Minimum ₹2 Lakhs	Real-time settlement
IMPS	Up to ₹5 Lakhs	Instant (Mobile/P2P)

Why do you need the MICR Code?

While IFSC is for digital transfers, the Magnetic Ink Character Recognition (MICR) code—811013701—is primarily used for the processing and clearance of physical cheques. This 9-digit code helps in identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing faster and error-free.

Bank Holidays & Availability

The Bank of India in HAVELI KHARAGPUR DISTMUNGER typically follows the RBI holiday calendar. Digital transfers via BKID0004646 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.

Security Warning & Verification

Always verify the branch details before making a large payment. While BKID0004646 is the valid code for HAVELI KHARAGPUR at HAVELI KHARAGPUR DISTMUNGER, ensure the beneficiary name matches perfectly in your mobile banking app.

RBI Verified NEFT Enabled RTGS 24x7

Bank Search Indexing & Metadata

Financial Tools

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Branch Context

• HAVELI KHARAGPUR Contact
• Address of Bank of India
• MICR Code Finder
• BIHAR Banking Circle

Platform Links

• Anand Design DevBox
• SEO Performance Hub
• Webmaster Tools
• IFSC Finder v2.0

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