IFSC Code of Bank of India, Bhubaneswar Zonal Audit Office Branch, Odisha

Below are the complete branch details for Bank of India, BHUBANESWAR ZONAL AUDIT OFFICE branch, located in BHUBANESWAR, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is BKID000ZA35. 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 BKID000ZA35 for Bank of India – BHUBANESWAR ZONAL AUDIT OFFICE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, BKID000ZA35 is the IFSC of Bank of India's BHUBANESWAR ZONAL AUDIT OFFICE branch. The format is fixed: BKID = bank code, 0 = reserved, 00ZA35 = branch identifier.

Bank profile

Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhubaneswar Zonal Audit Office branch — IFSC BKID000ZA35 — extends the bank's services to customers in and around Bhubaneswar, Odisha.

Branch details at a glance

About this branch

The branch is located at PLOT NO 80A TO 83A, LEWIS ROAD,OLD TOWN. It serves the Bhubaneswar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Bank of India. The IFSC BKID000ZA35 is used to identify this branch on the RBI payments network.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Bank of India's BHUBANESWAR ZONAL AUDIT OFFICE branch came to be assigned the code BKID000ZA35.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC BKID000ZA35, money simply cannot be routed to the BHUBANESWAR ZONAL AUDIT OFFICE branch electronically.

Account types you can open at the Bhubaneswar Zonal Audit Office branch

Once you have an account at Bank of India – BHUBANESWAR ZONAL AUDIT OFFICE, the IFSC BKID000ZA35 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Bhubaneswar Zonal Audit 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 BKID000ZA35

How to transfer money using IFSC BKID000ZA35

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 BKID000ZA35 across all three.

NEFT to Bank of India, BHUBANESWAR ZONAL AUDIT OFFICE using IFSC BKID000ZA35

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 BKID000ZA35, and confirm that the system picks up Bank of India – BHUBANESWAR ZONAL AUDIT OFFICE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BKID000ZA35

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Bank of India – BHUBANESWAR ZONAL AUDIT OFFICE, ensure your bank's portal accepts IFSC BKID000ZA35 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Bank of India – BHUBANESWAR ZONAL AUDIT OFFICE, use IMPS. With IFSC BKID000ZA35 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC BKID000ZA35 for Bank of India – BHUBANESWAR ZONAL AUDIT OFFICE, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Bhubaneswar Zonal Audit Office branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC BKID000ZA35

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 – BHUBANESWAR ZONAL AUDIT OFFICE is still mapped to IFSC BKID000ZA35. 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 BKID000ZA35 and the beneficiary's account number to complete the transfer.

Online banking and IFSC BKID000ZA35

Bank of India customers can register for net banking and the bank's official mobile app once their account at the BHUBANESWAR ZONAL AUDIT 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 BKID000ZA35 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 BKID000ZA35 and the account number together uniquely identify the Bhubaneswar Zonal Audit 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 – BHUBANESWAR ZONAL AUDIT OFFICE:

• The IFSC is exactly BKID000ZA35 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 BHUBANESWAR ZONAL AUDIT 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.

Reaching the branch

The Bhubaneswar Zonal Audit Office branch sits at PLOT NO 80A TO 83A, LEWIS ROAD,OLD TOWN. If you are travelling from outside Bhubaneswar, search for the branch on a maps application using the bank name and locality, or call 91-9438479759 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC BKID000ZA35 and your account number.

Verifying IFSC BKID000ZA35 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 BKID000ZA35 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9438479759.
• 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 Bhubaneswar Zonal Audit Office branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID000ZA35, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BKID000ZA35 belongs to Bank of India's BHUBANESWAR ZONAL AUDIT OFFICE branch, located at PLOT NO 80A TO 83A, LEWIS ROAD,OLD TOWN in BHUBANESWAR, ODISHA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.