Bank of India
IFSC & BRANCH FINDER
Total Branches
5,306
States Presence
36
HEADQUARTERS
Mumbai, Maharashtra
FOUNDED
1906
CUSTOMER CARE
1800 220 229
OFFICIAL TAGLINE
Relationships Beyond Banking
Missed Call Banking & Support
Check Bank Balance
Give a missed call from your registered mobile
09015135135
Missed Call Number
24/7 Customer Care
Call for queries, complaints, or blocking cards
1800 220 229
Toll-Free Helpline
01
Register Mobile
Ensure your number is registered with your bank account for SMS banking.
02
Give Missed Call
Dial the number above. The call will disconnect automatically after 1-2 rings.
03
Get SMS
You will receive an SMS with your current balance details within seconds.
Current Loan Rates
Instant Approval & Flexible EMI Options
Last Updated: April 2026
HEURISTIC ESTIMATE FOR Bank of India PURPOSES ONLY. NO DATA IS SHARED WITH BUREAUS. FOR OFFICIAL CREDIT REPORTS, VISIT THE CIBIL OFFICIAL PORTAL.
Loan Guidance & Smart Borrowing
Everything you need to know before applying for a loan at Bank of India
Eligibility Criteria
To apply for a loan at Bank of India, you typically need a stable income source, age between 21-65 years, and a good track record of past repayments.
Credit Score Impact
A CIBIL score of 750 or above helps you unlock special interest rate discounts and ensures your loan application is processed instantly.
Required Documents
Keep your PAN, Aadhaar, salary slips, and last 6 months bank statements ready for a hassle-free digital verification process.
Floating vs Fixed
Choose between interest rate types at Bank of India. Floating rates change with market trends, while Fixed rates keep your EMI constant throughout.
Repayment Tenure
Home loans offer up to 30 years, while personal loans usually range from 1-5 years. Choose a tenure that fits your monthly budget.
Hidden Charges
Check for processing fees (usually 0.5% - 2%), foreclosure charges, and late payment penalties to avoid surprises later.
Expert Advice for Bank of India Applicants
"Bank of India offers "Star Home Loan" with flexible repayment options and interest calculated on a daily reducing balance. Loyalty discounts apply for BOI account holders."
Verified Advisory 2026
Loan Queries? We Have Answers
Expert Loan Advisory for Bank of India Customers
Q. What is the lowest interest rate for Bank of India home loans?
Home loan rates at Bank of India currently start from around 8.40%, depending on your credit score and loan amount.
Q. Does Bank of India charge processing fees for personal loans?
Yes, there is usually a processing fee of 1% to 2% of the loan amount, but this can be waived during festive offers.
Q. Can I prepay my Bank of India car loan?
Yes, you can prepay your loan after a lock-in period, although foreclosure charges may apply depending on the specific loan agreement.
Q. How long does Bank of India take to disburse a loan?
For pre-approved customers, it can be instant. For others, it usually takes 3-7 working days after all documents are verified.
Note: For any queries, please double-check from your bank account.
Direct Search Portal
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Our data is sourced directly from verified bank records to ensure fund safety and transaction accuracy.
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Everything you need to know about Bank of India Banking
INSTANT VERIFICATION
Our system uses official RBI-updated datasets to ensure you get the right IFSC every time. Verify before you transfer to ensure fund safety.
PRECISE LOCATIONS
Get exact map coordinates and addresses for all Bank of India branches. We provide integrated Google Maps links for easy navigation.
Bank of India is a commercial bank with headquarters in Mumbai. Founded in 1906, it has been government-owned since 1969.
About Bank of India IFSC
The Indian Financial System Code (IFSC) for Bank of India consists of 11 characters. The first four characters represent the bank name (BKID), the fifth character is always '0' (reserved for future use), and the last six characters identify the unique branch location.
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