Use this page as a one-stop reference for everything related to Bank of India's KOLKATA ZONAL OFFICE branch in KOLKATA, WEST BENGAL. The branch's IFSC code BKID000ZO56 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, BKID000ZO56 is the IFSC of Bank of India's KOLKATA ZONAL OFFICE branch. The format is fixed: BKID = bank code, 0 = reserved, 00ZO56 = branch identifier.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Kolkata Zonal Office |
| IFSC Code | BKID000ZO56 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 5TH FLOOR BTM SARANI BRABOURNE ROAD |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| STD Code | 91 |
| Phone | 9421392595 |
About Bank of India
Bank of India operates a wide network of branches across India, including the Kolkata Zonal Office branch in Kolkata. 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, BKID000ZO56.
About this branch
The branch is located at 5TH FLOOR BTM SARANI BRABOURNE ROAD. It serves the Kolkata 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 BKID000ZO56 is used to identify this branch on the RBI payments network.
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 KOLKATA ZONAL OFFICE of Bank of India — its own 11-character IFSC. The code BKID000ZO56 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 BKID000ZO56 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC BKID000ZO56
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 BKID000ZO56 across all three.
How to use IFSC BKID000ZO56 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's KOLKATA ZONAL OFFICE branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC BKID000ZO56.
- Confirm the bank name auto-populates as Bank of India and the branch as KOLKATA ZONAL OFFICE.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BKID000ZO56
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 – KOLKATA ZONAL OFFICE, ensure your bank's portal accepts IFSC BKID000ZO56 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of India KOLKATA ZONAL OFFICE (IFSC BKID000ZO56)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID000ZO56 in your mobile or internet banking app, and the money is credited to the KOLKATA ZONAL OFFICE branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Kolkata 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 BKID000ZO56:
- 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 KOLKATA ZONAL OFFICE is still linked to IFSC BKID000ZO56.
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 BKID000ZO56
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 – KOLKATA ZONAL OFFICE is still mapped to IFSC BKID000ZO56. 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 BKID000ZO56 and the beneficiary's account number to complete the transfer.
Account types you can open at the Kolkata Zonal Office branch
Once you have an account at Bank of India – KOLKATA ZONAL OFFICE, the IFSC BKID000ZO56 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 Kolkata 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 BKID000ZO56
MICR & cheque-truncation details
Cheques drawn on the Kolkata Zonal Office branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID000ZO56 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC BKID000ZO56
Bank of India customers can register for net banking and the bank's official mobile app once their account at the KOLKATA 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 BKID000ZO56 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.
Common mistakes to avoid when using IFSC BKID000ZO56
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Bank of India – KOLKATA ZONAL OFFICE, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
BKID000ZO56. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Kolkata Zonal Office branch
The branch is located at 5TH FLOOR BTM SARANI BRABOURNE ROAD, which puts it inside Kolkata, the broader Kolkata district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Kolkata Zonal Office branch” — the verified location pin for IFSC BKID000ZO56 should appear at the top of the results.
- Confirm the branch is open by calling 91-9421392595 before stepping out, especially around public holidays.
- 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 BKID000ZO56 and your account number.
Verifying IFSC BKID000ZO56 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 BKID000ZO56 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9421392595.
- 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 Kolkata Zonal Office branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID000ZO56, however, work 24x7.
Branch address & contact
Bank of IndiaKolkata Zonal Office Branch
5TH FLOOR BTM SARANI BRABOURNE ROAD
Kolkata, West Bengal
Phone: 91-9421392595
IFSC: BKID000ZO56
Frequently asked questions
How do I add Bank of India Kolkata Zonal Office as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID000ZO56, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC BKID000ZO56 the same for all accounts at Kolkata Zonal Office branch?
Yes. The IFSC BKID000ZO56 is shared by every account held at Bank of India's Kolkata Zonal Office branch. Only the account number changes from customer to customer.
Is IFSC BKID000ZO56 valid for NEFT and RTGS?
Yes. IFSC BKID000ZO56 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Bank of India Kolkata Zonal Office branch?
The IFSC code of Bank of India, Kolkata Zonal Office branch is BKID000ZO56. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using BKID000ZO56 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Kolkata Zonal Office reflect within 30 minutes.
Where is Bank of India Kolkata Zonal Office branch located?
Bank of India's Kolkata Zonal Office branch is located at 5TH FLOOR BTM SARANI BRABOURNE ROAD, Kolkata, West Bengal.
Does Bank of India Kolkata Zonal Office branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9421392595 to confirm.
Can I use IFSC BKID000ZO56 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID000ZO56 to send funds instantly.
Summary
The IFSC code BKID000ZO56 belongs to Bank of India's KOLKATA ZONAL OFFICE branch, located at 5TH FLOOR BTM SARANI BRABOURNE ROAD in KOLKATA, WEST BENGAL. 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.
