BKID0001032 — Bank of India, Panaji Retail Hub
BKID0001032 is the IFSC code of Bank of India, Panaji Retail Hub branch, Panaji, Goa. MICR 403013099. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | BKID0001032 |
|---|---|
| Bank | Bank of India |
| Branch | Panaji Retail Hub |
| Address | RUA DE ORMUZ PB NO 167DIST NORTH GOAPANAJI |
| City | Panaji |
| District | Panaji |
| State | Goa |
| MICR code | 403013099 |
| SWIFT code | — |
| Phone | +918322421975 |
| NEFT | Yes |
| RTGS | Yes |
| IMPS | Yes |
| UPI | Yes |
Source: Reserve Bank of India IFSC/MICR list, as compiled by the open-source Razorpay IFSC dataset (MIT licence), updated 08 Nov 2026. Always confirm the IFSC with your bank before sending money.
Other Bank of India branches in Panaji
- Miramar Panaji — BKID0001022
- Panaji — BKID0001007
- Panaji Service — BKID0001050
- Taleigao — BKID0001012
How to read IFSC BKID0001032
| Part | Meaning |
|---|---|
| BKID | Bank code – Bank of India |
| 0 | Fifth character, always zero (kept for future use) |
| 001032 | Branch code – Panaji Retail Hub, Panaji |
The MICR code 403013099 is printed at the bottom of cheques from this branch: 403 is the city code, 013 the bank code and 099 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Bank of India, Panaji Retail Hub
Payments this branch can receive using IFSC BKID0001032:
- NEFT – available 24×7, all days; RBI sets no minimum or maximum amount (your bank may set its own limit).
- RTGS – for ₹2 lakh and above, settled in real time, 24×7.
- IMPS – instant transfer 24×7, usually up to ₹5 lakh per transaction.
- UPI – accounts at this branch can be linked to UPI apps.
To pay someone here you need their account number, the account holder’s name and the IFSC BKID0001032.
Questions about IFSC BKID0001032
What is the IFSC code of Bank of India, Panaji Retail Hub branch?
The IFSC code of Bank of India, Panaji Retail Hub branch (Panaji, Goa) is BKID0001032.
What is the MICR code of Bank of India, Panaji Retail Hub?
The MICR code of this branch is 403013099.
Where is Bank of India, Panaji Retail Hub branch located?
The branch address is RUA DE ORMUZ PB NO 167DIST NORTH GOAPANAJI (Goa).
Does BKID0001032 support RTGS and NEFT?
NEFT: yes. RTGS: yes. IMPS: yes (as per the RBI list in our records).
Income tax refund not received?
A refund fails when the bank account on the income tax portal is not pre-validated or the IFSC has changed after a bank merger. We fix the account, raise a refund re-issue request and follow up — online, anywhere in India.