IFSC Code of Bank of India, Bhagalpur Zonal Office Branch, Bihar

Below are the complete branch details for Bank of India, BHAGALPUR ZONAL OFFICE branch, located in BHAGALPUR, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is BKID000ZO33. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case BKID000ZO33 for Bank of India – BHAGALPUR ZONAL OFFICE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Bank of India's BHAGALPUR ZONAL OFFICE branch, the IFSC BKID000ZO33 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 00ZO33 identifies this particular branch.

About Bank of India

Bank of India operates a wide network of branches across India, including the Bhagalpur Zonal Office branch in Bhagalpur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, BKID000ZO33.

Branch details at a glance

Bhagalpur Zonal Office branch overview

Located at SECOND FLOOR DEVDOOT C RADHA RANI SINHA ROAD, the Bhagalpur Zonal Office branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID000ZO33 is required for all interbank electronic transfers routed through this branch.

Why every Bank of India branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including BHAGALPUR ZONAL OFFICE of Bank of India — its own 11-character IFSC. The code BKID000ZO33 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC BKID000ZO33 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Bhagalpur Zonal Office branch is mapped to IFSC BKID000ZO33 on the RBI payments network. The branch generally supports the full retail product catalogue of Bank of India, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains BKID000ZO33.

Products and services

Customers walking into the Bhagalpur Zonal Office branch can access most of Bank of India's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC BKID000ZO33

How to transfer money using IFSC BKID000ZO33

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC BKID000ZO33 across all three.

NEFT to Bank of India, BHAGALPUR ZONAL OFFICE using IFSC BKID000ZO33

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC BKID000ZO33, and confirm that the system picks up Bank of India – BHAGALPUR ZONAL OFFICE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BHAGALPUR ZONAL OFFICE

If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's BHAGALPUR ZONAL OFFICE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID000ZO33 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Bank of India – BHAGALPUR ZONAL OFFICE, use IMPS. With IFSC BKID000ZO33 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Bhagalpur Zonal Office

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC BKID000ZO33:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at BHAGALPUR ZONAL OFFICE is still linked to IFSC BKID000ZO33.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC BKID000ZO33

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Bank of India – BHAGALPUR ZONAL OFFICE is still mapped to IFSC BKID000ZO33. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC BKID000ZO33 and the beneficiary's account number to complete the transfer.

Online banking and IFSC BKID000ZO33

Bank of India customers can register for net banking and the bank's official mobile app once their account at the BHAGALPUR ZONAL OFFICE branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC BKID000ZO33 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Bank of India carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC BKID000ZO33 and the account number together uniquely identify the Bhagalpur Zonal Office branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Bank of India – BHAGALPUR ZONAL OFFICE:

• The IFSC is exactly BKID000ZO33 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Bank of India as the bank name and BHAGALPUR ZONAL OFFICE as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Bhagalpur Zonal Office branch

The branch is located at SECOND FLOOR DEVDOOT C RADHA RANI SINHA ROAD, which puts it inside Bhagalpur, the broader Bhagalpur district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of India Bhagalpur Zonal Office branch” — the verified location pin for IFSC BKID000ZO33 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9421392572 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC BKID000ZO33 and your account number.

Verifying IFSC BKID000ZO33 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm BKID000ZO33 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9421392572.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Bhagalpur Zonal Office branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID000ZO33, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: BKID000ZO33 is the IFSC code of Bank of India, BHAGALPUR ZONAL OFFICE branch, in BHAGALPUR, BIHAR. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.