Bank of India assignments 15‑digit account numbers, aligning with RBI’s push for standardization across Indian banks.
Breakdown of the 15 digits:
- Digits 1–4: Branch code (unique to each BOI branch)
- Digits 5–8: Account type code (savings, current, loan, etc.)
- Digits 9–15: Your individual account number within that branch
This format supports all types of transfers including IMPS, NEFT, RTGS, and ECS .
How to Find Your BOI Account Number
You can locate your account number through several convenient methods:
1. Passbook or Bank Statement
Your account number is clearly printed on the front page of your passbook, and also appears in bank statements.
2. Chequebook
Every cheque leaf includes the account number, making it an easy reference if you keep them safely.
3. Net Banking or Mobile Banking
Log into your BOI digital banking platform—your account number is shown in your profile or account summary section.
4. Bank Branch Visit
Visit your local branch with valid ID. The staff can verify your details and provide your new or existing account number.
5. Phone Banking
Call BOI customer care on toll‑free numbers such as 1800 220 229 or 1800 103 1906. After verification, your details can be shared over the call.
Why BOI Uses the 15‑Digit Format
- RBI mandate for uniformity across banks to streamline inter‑bank transfers via NEFT, RTGS, IMPS, ECS
- Easier branch & account‑type identification right in the number
- Future‑proofing for easier system integration across banks
Comparing with Other Indian Banks
- Account numbers in India typically range between 9–18 digits, depending on the bank and type of account
- Other banks:
- SBI uses mostly 11 digits, sometimes expanded with leading zeroes to 17.
- HDFC uses 14‑digit accounts, ICICI usually 12‑digit.
- BOI’s fixed 15-digit format ensures consistency across its branches.
Quick Summary Table
| Topic | Details |
|---|---|
| Account length | Exactly 15 digits |
| Composition | Branch (4) + Account type (4) + Core number (7) |
| Use cases | NEFT, RTGS, IMPS, ECS, passbook, statements |
| Ways to access it | Passbook, chequebook, net/mobile banking, branch, phone |
| Reason for format | RBI standardization and easier routing |
Practical Tips & FAQs
What if I still have a shorter account number?
A. BOI will have issued a new 15‑digit number. Visit your branch or log into net‑banking to discover it.
Can I still use old shorter account numbers?
A. No—with electronic payments (NEFT, IMPS, RTGS), you must use the 15‑digit format.
Do I need IFSC too?
Yes. BOI’s IFSC is an 11-character alphanumeric code: first four identify the bank (like BKID), then a ‘0’, followed by six characters for the branch.
Is this secure?
The branching and account-type codes help securely route transfers. Always verify your number—mistyping any segment can delay transactions.
