Bank of India IFSC / MICR Codes / Addresses Across India

Bank of India IFSC / MICR Codes / Deposit & Loans Interest Rate

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Bank of India founded on 7th September, 1906 by eminent businessmen in mumbai and it was nationalized in june 1969. Bank of india gains 130 crore net profit in first quarter of 2015 – 16 and has a network of 4,900+ Branches / 7,500+ ATMs across the country and providing innovative services such as e-tax payments, mutual funds, insurance services, exporters gold card and still a lot.

Bank of india got various awards and accolades including PMJDY Excellence, Best MSME Bank, Best Bank for operational performance, Financial Inclusion & Payment System and IT excellence award and lot more. Here we published Bank of india’s verified IFSC / MICR / Branch codes along with deposit & loans interest rate, complete address, phone number, customer care toll free number, bank working hours (bank timings) and lot more.

Customer Care Toll Free Help Line Number : 1800 220 229 (24 / 7 service)
Customer Care Alternative Help Line Number : 022-40919191 (24 / 7 service)

Credit Card Enquiry Toll Free Number : 1800 220 088 / (Tolled) 022 – 40426005, 40426006
Credit Card Deactivation Toll Free Number : 1800 220 088 / (Tolled)  022 – 40426005 / 40426006

ATM / Debit Cards : 022 – 40429036 / 080 – 69999203
ATM / Debit Cards Email : boi.customerservices@oberthur.com
ATM / Debit Card Deactivation Toll Free : 1800 425 1112 / (Tolled) 022 – 40429127, 022 – 40429123
ATM /Debit Card Deactivation Email : pss.hotcard@fisglobal.com

Head Office

Bank of India
STAR HOUSE, C – 5, “G” Block,
Bandra Kurla Complex, Bandra (East),
Mumbai 400 051, Maharashtra
Phone : 022 – 66684444
Email : headoffice.csd@bankofindia.co.in

Bank of India Working Hours (Bank Timings)

Monday to Saturday : 10.00 AM – 04.00 PM
(2nd and 4th saturday is holiday)
Sunday : Holiday

Banking Toll Free Number : 1800 220 229 (24/ 7 all days) / (Tolled) 022 – 40919191

Official Website : http://www.bankofindia.co.in

  Base Interest Rate9.95%
  Home Loan Interest9.95%
Above specified rate of interest applicable up to ₹75 lakhs
Above ₹75 lakhs, the rate of interest will be Base rate + 0.25%
Salaried employees, Professionals, Self-employed persons may apply
Purchase or construct house / flat and to renovate / extend / repair existing house
Quantum of loan allowed up to ₹300 Lakhs & up to ₹500 lakhs for major metros
For salaried employees, 72 times of gross monthly salary
For self employed, 6 times of gross annual income based on IT Returns
  Personal Loan InterestBase rate + 5.00%
Avail unsecured loans up to ₹5 lakhs and up to ₹10 lakhs as secured loan
For secured loans, the rate of interest will be Base rate + 4.00%
For salaried employees, 10 times of monthly take home pay (Unsecured loans)
Maximum 36 EMIs allowed for unsecured loans & 60 EMIs for secured loans
For senior citizens, the rate of interest will be base rate + 3.00%
  Two Wheeler Loans InterestBase Rate + 4.00%
Salaried employees, Self-employed, Non-Resident Indians may apply
Repayment period allowed up to 5 years
  Car Loans InterestBase Rate + 0.45%
24 times of gross monthly emoluments in case of salaried employees / pension
Two times of gross average annual income as per last 3 years I.T. Returns
Maximum of 7 years (84 months) of EMIs are allowed for salaried class
For pre-owned cars, maximum of 36 EMIs (3 years) are allowed
The rate of interest for second hand cars will be Base Rate + 1.25%
For Indian make vehicles allowed up to ₹50 lakhs & ₹100 lakhs for foreign vehicles
  Education Loans InterestBase Rate + 3.00%
Above rate applicable up to ₹7.5 lakhs, above ₹7.5 lakhs interest is Base Rate + 2.50%
Repayment holiday will be course period + 1 year or 6 months after getting job
For studying in india, maximum of ₹10 lakhs will be allowed
To studying abroad, maximum of ₹20 lakhs will be allowed
No security required for loan amount up to ₹4 lakhs
  Gold Loans InterestBase Rate + 3.00%
Repayment period not to exceeding maximum of 60 EMIs
For salaried class, 10 times of monthly net take home salary
For self employed, 50% of gross annual income as per latest IT return
  Property Loan InterestBase rate + 1.50%
Quantum of loan based on 48 times take home salary for salaried class
Maximum of 60% of the property market value allowed as loan
  Agricultural Loans Interest9.95%
Above specified rate applicable up to ₹3 lakhs as crop loan
Above ₹3 lakhs - ₹10 lakhs the rate of interest is Base rate + 3.00%
Visit your nearest branch for more detailed information
  Internet BankingYes
  Credit CardYes
  ATM / Debit CardYes
  Cheque BooksYes
  Locker FacilityYes
  Core Banking Solution (CBS)Yes
  Mobile BankingYes

Bank of India Deposit Interest Rate

Maturity PeriodLess than ₹1 Crore₹1 Crore - ₹10 Crores₹10 Crore & above
7 days - 14 days4.00%4.25%4.50%
15 days - 30 days4.50%4.50%4.50%
31 days - 45 days4.50%4.50%4.50%
46 days - 90 days6.50%6.50%6.50%
91 days - 179 days7.00%7.00%7.00%
180 days - 269 days7.50%7.50%7.25%
270 days - < 1 year8.00%7.50%7.50%
1 year - < 3 years8.00%7.75%7.60%
3 years - < 5 years8.00%7.50%7.50%
5 years - 10 years7.75%7.50%7.50%
0.50% P.A. additional rate of interest for senior citizens below 1 crore deposit
1.50% P.A. additional interest for bank of india staffs / Ex-staff senior citizens


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