Bank of India
PANDRA BRANCH
+916512510295
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 PANDRA
branch of Bank of India, the code BKID0004939 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 BKID0004939 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"BKID" represents Bank of India
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for PANDRA
Payment Systems Supported by BKID0004939
| 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—834013006—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 RANCHI typically follows the RBI holiday calendar. Digital transfers via BKID0004939 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 BKID0004939 is the valid code for PANDRA at RANCHI, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Bank of India Branch List
- • RANCHI IFSC Codes
- • Swift Code for Bank of India
- • Bank Holiday in JHARKHAND
Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
- • FD Interest Rates 2026
- • Currency Converter
Branch Context
- • PANDRA Contact
- • Address of Bank of India
- • MICR Code Finder
- • JHARKHAND Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
INDEXING TAGS: Bank of India BKID0004939 code, find PANDRA branch details, Bank of India RANCHI contact number, JHARKHAND bank ifsc list, anand design banking suite, ifsc finder 2026, free bank branch locator, micr code for Bank of India RANCHI, online neft rtgs imps guide india, how to find ifsc code of Bank of India.