Select District for Bank Of India in Maharashtra
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Aarni Mh
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Abloli Tal Guhaghar Dist Ratnagiri
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Adivare TalrajaPur Dist Ratnagiri
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Agardanda Dist Raigad
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Gargoti Tal Bhudargad Dist KolhaPur
Garra Bagheda
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Kamti
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Kelzer
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Khed
Khed Tal Khed Dist Ratnagiri
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Khopi
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Kokrud Dist Sangli
KolhaPur
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Konda Kosra Dist Bhandara
Kondhali Dist NagPur
Kontev Boblad Dist Sangli
Kopargaon Dist AhmedNagar
Korchi
Korchi Mh
Koregaon
Korpana
Korti Dist SolaPur
Kothari Dist ChandraPur
Kotoli KolhaPur
Kudal
Kudali
Kudwa
Kumbhari
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Kurduwadi Dist SolaPur
Kurhadi
Kurkheda Dist Gadchiroli
Kurli
Kurul Dist SolaPur
Kurundhunda Dist Ratnagiri
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Lakhandur
Lakhandur Dist Bhandara
Lakhani
Lakhani Dist Bhandara
Lamboti
Lanja
Lanja Dist Ratnagiri
Latur Dist Latur Zone SolaPur
Latwan Tal Mandangad Dist Ratnagiri
Laul Dist SolaPur
Lavale Distt Pune
Laxmi Dahiwadi Dist SolaPur
LaxmiPuri KolhaPur Cts
Lengare Dist Sangli
Loha Distt Nanded
Lonar
Lonar Vkgb
Loni
Lote Taluka Kheddist Ratnagiri
Madgyal Dist Sangli
Madha Dist SolaPur
Madheli Dist ChandraPur
Madur Dist KolhaPur
Mahad Dist Raigad
Mahagaon
Mahiravani Mh
Mahud Burduk
Majgaon
Malegaon
Malegaon Dist Nasik
Malegaon Jahagir
Malewada
Malgaon Dist Sangli
MaliNagar
MalkaPur
MalkaPur Akola
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Malkavathe
Malkhed Dist Amravati
Malshiras
Malsiras Dist SolaPur
Malvan
Malvan Dist Sindhudurg
Mandgaon Dist Wardha
Mandhal Mh
Mandhangad Ratnagiri
Mandrup Dist SolaPur
Manegaon
Mangali
Mangaon
Mangaon Raigad
Mangle Dist Sangli
Manglwedha Dist SolaPur
Mangrul Zanak
Mangrulpir
Manjari
MankaPur
Manora
Manora Dist ChandraPur
Mansar
Maregaon
Marwade Dist SolaPur
Mauda
Mayani Dist Satara
Mehkar
Mendhadi Dist Raigad
Mhaisal
Mhaisang
Mhapral Distratnagiri
Mhasala Dist Raigad
Mindala Dist ChandraPur
Miraj
Mithbav Tal Devgad Dist Ratnagiri
Mithgavne TalrajaPur Dist Ratnagiri
Mohadi
Mohadi M
Mohapa
Mohol Dist SolaPur
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Morshi
Morshi Dist Amravati
Motala
Motegaon
Mothi Umari
Mouda Mh
Mowar Dist NagPur
Mozari
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Mul
Mul Dist ChandraPur
Mulchera
Mumbai
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Mungala
Murgud Dist KolhaPur
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Murmadi Tupkar Distbhandara
MurtizaPur
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Mutat
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Nagbhid
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NagPur
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Naigaon
Nakadongri
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Nanda Gomukh Dist NagPur
Nandafata
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Nandgaon Khandeshwar
Nandgaon Tal Kankavali Dist Sindhudurg
Nandori
Nandre
Nandura
Nandurbar
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Narkhed NagPur
Narvel
Nashik
Nasik
Natepute
Natepute Dist SolaPur
Navargaon Talshindewadi Dist ChandraPur
Navegaon
Navi Mumbai
Nawegaon More Dist ChandraPur
Ner
Nere Dist Raigad
Neri Dist ChandraPur
Nesari Tal Gadhinglaj Dist KolahPur
New Bombay
New Mumbai
Neware Tal Dist Ratnagiri
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Nimbargi Dist SolaPur
Nimboni
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Nimsod Dist Satara
Nivali
Old City Akola
Omerga SolaPur
Oras Dist Sindhudurg
Osargaon
Osmanabad
Otavane
Pachad Dist Raigad
Pachal
Pachal Tal RajaPur Dist Ratnagiri
Pahurjira
Paithan Dist Raigad
Pal
Palandur
Palasgaon
Palgad Taldapoli Dist Ratnagiri
Palghar
Palghar Dt Thane Maharashtra
Pali Sudhagad Mh
Palus Dist Sangli
Panchgaon Dist NagPur
Pandara Dist Pune
Panderi Tal Mandangad Dist Ratnagiri
Pandhar Pauni Dist ChandraPur
Pandharabodi Dist Gondia
Pandhari
Pandharkawada
PandharPur
PandharPur Dist SolaPur
Pangaon Dist SolaPur
Pangari Dist SolaPur
Pangloli Dist Raigad
Panvel
Paoni
Paoni DistnagPur
Paras
Paraswada Dist Gondia
Paratwada
Parbhani
Pardi
Parditakmore
Parseoni Dist NagPur
Parsodi
Pat Tal Kudal Dist Sindhudurg
Patansaongi
Patgaon Tal Bhudargad Dist KolhaPur
Patur
Patwardhan Kuroli
Pawashi
Ped Dist Sangli
Pen
Pen Dist Raigad
Phaltan Dist Satara
Phansavane
Phansgaon
Phansu
Piliv Dist SolaPur
Pimpalgaon
Pimpalgaon Basawant Dist Nasik
Pinguli Dist Sindhudurg
Pisarve Dist Pune
Pohana Dist Wardha
Pohara Dist Bhandara
Poip
PoladPur Dist Raigad
Porle Tarf Thane Dist KolhaPur
Prabhanvalli Tal Lanja Dist Ratnagiri
Prunagad Tal Dist Ratnagiri
Pulgaon
Pune
PurushottamNagar Dist Nandurbar
Pusad
Pusad Mh
Pusesavli Dist Satara
RadhaNagari Dist KolhaPur
Raigad
Rajanda
RajaPur
RajaPur Mh
Rajoli Dist ChandraPur
Rajura
Ralegaon
Ralegaon Mh
Ramgad
Ramraj Dist Raigad
Ramtek
Ranala
Ranjani Dist Sangli
Rashiwade Dist KolhaPur
Ratnagiri
Rawanwadi
Redni Dist Pune
RenaPur Mh
Rewasgaon Dist Raigad
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Risod Maharashtra
Roha
Roha Dist Raigad
Rohana Dist Wardha
Ropale
Rukadi Dist KolhaPur
RukhminiNagar
Runza
Sadak Arjuni
Sade Dist SolaPur
Sadoli Khalsa Dist KolhaPur
Sahoor Dist Wardha
Sakharpa Dist Ratnagiri
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Salgar Bk
SamudraPur Distt Wardha
Sanbur Dist Satara
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Sangamner Maharashtra
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Sangola Dist SolaPur
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Saoli
Saoner
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Sarood Dist KolhaPur
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Satana Mh
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Sawarde Maharashtra
Sawargaon Dist NagPur
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Service Branch NagPur
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ShankarPur
Shegaon
Shegaon Bk
Shelgaon Bazar
Shelgaon R Dist SolaPur
Shelu Bazar
Shiposhi
Shirala Dist Sangli
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Shirgaon Taldevgad Dist Ratnagiri
Shirol
ShirPur
Shirur
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Shirwal Dist SolaPur
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ShreePur
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Tiwasa
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Ule
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Umara
Umarkhed
Umbarde Tal Vaibhavwadi Dist Sindhudurg
Umbare
Umred
Undri
Uplai Bk
Ural
Uran Dist Raigad
UrjaGram Mh
Uttur Dist KolahPur
Vaduj Khatav
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Vansadi Dist ChandraPur
Vasai
Vashi
Vathar Kiroli Dist Satara
Vatul TalrajaPur Dist Ratnagiri
Veet Dist SolaPur
VelaPur
Veldoor
Vengurla Dist Sindhudurg
Veravali Budruk Tal Lanjadist Ratnagiri
Vesvi
Vihirgaon Tehsil Rajura Dist ChanraPura
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Vikhroli West
Vilam Virum Dist ChandraPur
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Virli
VisaPur
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Vivekanand Nagar
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Washim
Washim Mh
Wirur Dist ChandraPur
Yavatmal
Yavluj Tal Panhala Dist KolhaPur
Yelavi Dist Sangli
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Yenere Dist Pune
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Zarijamni
What are Bank Of India IFSC Codes?
The Indian Financial System Code, commonly known as the IFSC code, is an alphanumeric code crucial for the electronic transfer of funds within the Indian banking system. This code helps in identifying specific bank branches, ensuring that electronic transactions like NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service) are conducted smoothly and accurately.
The IFSC code acts as a guide that directs money to the right bank branch, whether it is for a money transfer to a friend, payment of a bill, or business transactions.
How to Read the Structure of the Bank Of India IFSC Code
The IFSC code is an 11-character code consisting of three distinct elements:
- First Four Characters: These letters indicate the name of the bank. For instance, the first four alphabets in the code represent the bank's name.
- Fifth Character: This is always '0' (zero) and is reserved for potential future use in the system.
- Last Six Characters: These can be either numeric or alphabetic and identify a specific branch of the bank.
Example: An IFSC code may appear as "BANK0123456." Here, "BANK" denotes the bank, and "0123456" identifies the specific branch. This unique combination ensures that each branch of every bank has a distinct identification number, allowing the precise identification of the account's location.
How to Locate an Bank Of India IFSC Code
Locating an IFSC code is relatively straightforward and can be done using any of the following methods:
- Cheque Book: The cheque leaves issued by your bank carry the IFSC code, usually printed on the upper section of the leaf.
- Bank Passbook: The IFSC code is typically found on the first page of the bank passbook provided at the time of opening the account.
- Official Websites of Banks: Most banks provide a search tool on their websites that allows you to find their respective IFSC codes based on branch location or branch name.
- Online Banking Portals: IFSC codes are provided in most online banking systems, enabling customers to find the code related to their bank branch.
- Mobile Banking Apps: Many banking apps allow you to view branch details, including IFSC codes.
- RBI Website: The Reserve Bank of India maintains an official list of all banks and their respective branch IFSC codes on its website.
Importance of IFSC Code in Fund Transfers
The IFSC code plays a significant role in secure and efficient fund transfers in the following ways:
- NEFT (National Electronic Funds Transfer): The IFSC code ensures that funds are transferred accurately from one account in a bank to another account in a different bank in India.
- RTGS (Real-Time Gross Settlement): The IFSC code ensures the safety and speed of high-value transactions where money needs to be transferred at once.
- IMPS (Immediate Payment Service): An instant fund transfer service where the IFSC code directs funds to the correct branch instantly.
- Error Prevention: Accurate use of the IFSC code minimizes the chances of funds being directed to the wrong account or branch, thereby reducing errors.
Benefits of Using IFSC Code
Here are the main benefits of IFSC codes you must know:
- Increased Security: Using the correct IFSC code ensures the transaction reaches the correct branch of the bank, minimizing errors or misdirected funds.
- Faster and More Efficient: IFSC codes streamline the fund transfer process, making it faster than traditional methods.
- Universal Use: Since the IFSC code system is standardized across all banks in India, it can be used for transfers between any banks.
Procedure to Perform Bank Of India Fund Transfer Using IFSC Code
Fund transfer using an IFSC code is a simple yet vital process:
- Log in Through Online Banking: Use your mobile banking app or Internet banking portal to log in to your bank.
- Fund Transfer: Select the option for fund transfer, choosing between NEFT, RTGS, or IMPS.
- Add Recipient Details: Enter the recipient's name, account number, bank name, and the IFSC code of their branch.
- Validate Details: Verify the entered details to avoid errors. Incorrect bank and IFSC details can lead to the rejection of your fund transfer request.
- Confirm Transfer: After confirmation, the money will be transferred. Depending on the mode of transfer, the amount may be transferred within a few seconds or minutes.
How to Open a Bank Of India Bank Account
Opening a bank account is a simple if you have the necessary documents and meet the eligibility criteria:
Eligibility Criteria
- Any citizen over 18 years old is eligible to open a bank account.
- In the case of minors, parents or guardians can open an account on their behalf.
- Non-residents are also eligible, provided they fulfill certain conditions established by the banks.
Required Documents
- Proof of Identity: Aadhaar Card, Passport, Voter ID, or any government-issued ID.
- Proof of Address: Aadhaar Card, Passport, utility bills, or any valid document proving residence.
- PAN Card: A PAN card is required for tax compliance.
- Passport Size Photographs: Usually, two to three recent photographs are needed.
- Form 16: In certain cases where a PAN card is not available, Form 16 may be considered.
Process to Open an Account
- Visit a Bank: Visit a branch of your chosen bank, or apply online if the bank offers an online application service.
- Fill Out the Form: Complete the account opening form with your personal information.
- Submit Documents: Provide documents verifying your identity and address.
- Initial Deposit: Make an initial deposit if required by the specific type of account.
- Account Activation: Once your documents are verified, your account will be activated, and you will receive a passbook, checkbook, and debit card.
- Register for Internet and Mobile Banking: Register for Internet and mobile banking services to facilitate easy transactions.
Loan EMI Calculator: Importance and Types
For anyone taking a loan, an EMI calculator is a vital and useful tool. Based on the loan amount, interest rate, and repayment period, it assists you in calculating the monthly repayment amount. You may better manage your money and make sure the loan doesn't put a burden on your resources by using an EMI calculator. It helps you steer clear of any unpleasant shocks later on by giving you a clear image of your financial commitment.
Loan Calculators
- Loan Calculator VA: Specifically designed for VA loans, helping veterans calculate their mortgage payments.
- Loan Calculator Vehicle: Assists in determining monthly payments for vehicle loans.
- Loan Calculator 30 Year: Calculates monthly payments for a 30-year loan term.
- Loan Calculator Yearly Payment: Provides an annual breakdown of loan payments.
EMI Calculators
- EMI Calculator for Home Loan: Helps in calculating the Equated Monthly Installment (EMI) for home loans.
- EMI Calculator Us: Tailored for users in the US to compute their home loan EMIs.
- EMI Calculator on Home Loan: Another tool for calculating home loan EMIs, ensuring accurate monthly payment estimates.
Interest Calculators
- Interest calculator yearly: Calculates the annual interest on loans or investments.
SIP Calculators
- SIP Calculator India: Designed for Indian investors to calculate returns on Systematic Investment Plans (SIPs).
- SIP Calculator Return: Estimates the returns on SIP investments.
- SIP Calculator Mutual Fund: Calculates potential returns from mutual fund SIPs.
- SIP Calculator Months: Provides monthly breakdowns of SIP investments.
- SIP Calculator Online: An online tool for calculating SIP returns.
- SIP Calculator Yearly: Offers yearly projections of SIP returns.
PPF Calculators
- PPF Calculator India: Calculates returns on Public Provident Fund (PPF) investments in India.
- PPF Generator: Generates detailed reports on PPF investments.
- PPF Calculator 15 Years: Estimates returns over a 15-year period.
- PPF Calculator 30 Years: Projects returns over a 30-year period.
Conclusion
An IFSC code is an essential component of the Indian banking system, ensuring the secure electronic transfer of funds. Whether you're doing a simple NEFT transfer or a high-value RTGS transaction, the IFSC code plays an indispensable role in smooth banking operations. Knowing how to find and use this code is crucial for anyone conducting electronic transactions in India.
Frequently Asked Questions (FAQs)
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify a specific branch of a bank in India. It is required for electronic fund transfers like RTGS and NEFT.
The IFSC code is crucial for ensuring safe and error-free transfers from one bank to another. It helps route transactions through the correct bank branch.
You can find the IFSC code on your cheque book and passbook or on your bank's official website. The Reserve Bank of India also publishes a list of IFSC codes.
Yes, the IFSC code is required to complete electronic fund transfers like NEFT, RTGS, and IMPS. Without the IFSC code, the transfer cannot be completed.
In Internet banking, the IFSC code of the beneficiary's bank and branch ensures safe and accurate transfers.
No, each branch of a bank has a unique IFSC code, making it easier to identify the specific branch for transactions.
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Car Loan EMI Calculation Made Simple: Save More with Smart Planning
Calculate your car loan EMIs in seconds! Use our smart EMI calculator to compare options, save on interest, and plan your finances confidently.
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Home Loans vs SIP Investments: Choose the Smarter Option for Your Future
Confused between SIP investments and home loans? Learn the pros and cons of each to make smarter, goal-based financial decisions. Find out what suits you best.
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How to Accurately Calculate EMIs for Car Loans
Learn how to calculate car loan EMIs with precision. Understand key factors, use EMI formulas or calculators, and plan repayments confidently.
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A Guide on How to Use a Mortgage Loan EMI Calculator
Learn how to use a mortgage loan EMI calculator step by step. Estimate monthly payments, compare loans, and plan better with accurate EMI calculations.