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Bank of India · Kapurthala

BKID0006391: Bank of India, Phagwara Sme

IFSC code BKID0006391 belongs to the Phagwara Sme branch of Bank of India in Kapurthala, Punjab. Its MICR code is 144013208.

IFSC
BKID0006391
MICR
144013208
Bank
Bank of India
Branch
Phagwara Sme
District
Kapurthala
State
Punjab
Phone
+911824260463

Branch address

Bank of India
G T Road Phagwaradistt Kapurthala

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Payment systems

SystemOn RBI's list for this branchWhat it is for
NEFTYesTransfers of any amount, settled in half-hourly batches, all day
RTGSYesLarge transfers (₹2 lakh and above), settled one by one in real time
IMPSYesInstant transfers, any time, usually for smaller amounts
UPIYesPayments by UPI ID or mobile number from apps

Reading this IFSC

BKID is Bank of India's bank code, the fifth character 0 is kept for future use, and 006391 is the code of the Phagwara Sme branch. In the MICR code 144013208, 144 is the city, 013 the bank and 208 the branch.

Other Bank of India branches in Kapurthala

IFSC and your loan

When you take a loan through Oxon Fintech, the lending partner (a bank or NBFC) pays the money straight into your own bank account, so the application asks for your account number and its IFSC. Check both against your passbook or cheque book: a wrong IFSC can delay the payment. Oxon never asks for your OTP, PIN, CVV or passwords.

Data: the Reserve Bank of India's list of NEFT and RTGS bank branches, as compiled by Razorpay's open-source IFSC dataset. Bank details change from time to time (branches merge, move or close); confirm the IFSC with your bank or on your cheque book before you send money. Oxon Fintech is a loan platform, not a bank, and is not linked to the banks listed.

01 FAQ

Common questions.

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  1. The IFSC of Bank of India's Phagwara Sme branch (Kapurthala, Punjab) is BKID0006391.

  2. 144013208. MICR is printed at the bottom of the branch's cheques.

  3. G T Road Phagwaradistt Kapurthala

  4. RBI's list shows this branch on NEFT, RTGS, IMPS and UPI. Use the IFSC BKID0006391 with the beneficiary's account number.

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