If you are searching for the IFSC code of Bank of India, RANCHI ZONAL OFFICE branch in RANCHI, JHARKHAND, this page has every detail you need. The verified IFSC code for this branch is BKID000ZO70. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the RANCHI ZONAL OFFICE branch, and detailed step-by-step guides for using the IFSC BKID000ZO70 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Bank of India – RANCHI ZONAL OFFICE is BKID000ZO70. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00ZO70 map to this branch in RANCHI, JHARKHAND.
About the bank
Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ranchi Zonal Office branch in Ranchi, Jharkhand is part of this network and uses the IFSC code BKID000ZO70 for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Ranchi Zonal Office |
| IFSC Code | BKID000ZO70 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PRADHAN TOIWERS NEAR OVERBRIDGE MAIN RAOD R |
| City | Ranchi |
| District | Ranchi |
| State | Jharkhand |
| STD Code | 91 |
| Phone | 9421392609 |
About the Ranchi Zonal Office branch
The Ranchi Zonal Office branch of Bank of India is situated at PRADHAN TOIWERS NEAR OVERBRIDGE MAIN RAOD R. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code BKID000ZO70 is used.
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 RANCHI ZONAL OFFICE of Bank of India — its own 11-character IFSC. The code BKID000ZO70 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 BKID000ZO70 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Ranchi Zonal Office branch
Once you have an account at Bank of India – RANCHI ZONAL OFFICE, the IFSC BKID000ZO70 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 Ranchi 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 BKID000ZO70
How to transfer money using IFSC BKID000ZO70
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 BKID000ZO70 across all three.
NEFT to Bank of India, RANCHI ZONAL OFFICE using IFSC BKID000ZO70
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 BKID000ZO70, and confirm that the system picks up Bank of India – RANCHI 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 RANCHI ZONAL OFFICE
If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's RANCHI ZONAL OFFICE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID000ZO70 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of India RANCHI ZONAL OFFICE (IFSC BKID000ZO70)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID000ZO70 in your mobile or internet banking app, and the money is credited to the RANCHI ZONAL OFFICE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BKID000ZO70 for Bank of India – RANCHI ZONAL 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – BKID000ZO70 | Yes – BKID000ZO70 | Yes – BKID000ZO70 |
For most retail customers crediting the Ranchi Zonal 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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Bank of India's RANCHI ZONAL OFFICE branch, the IFSC BKID000ZO70 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Online banking and IFSC BKID000ZO70
Bank of India customers can register for net banking and the bank's official mobile app once their account at the RANCHI 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 BKID000ZO70 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 & cheque-truncation details
Cheques drawn on the Ranchi Zonal Office branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID000ZO70 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – RANCHI ZONAL OFFICE:
- The IFSC is exactly BKID000ZO70 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 RANCHI 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 Ranchi Zonal Office branch
The branch is located at PRADHAN TOIWERS NEAR OVERBRIDGE MAIN RAOD R, which puts it inside Ranchi, the broader Ranchi district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Ranchi Zonal Office branch” — the verified location pin for IFSC BKID000ZO70 should appear at the top of the results.
- Confirm the branch is open by calling 91-9421392609 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 BKID000ZO70 and your account number.
Verifying IFSC BKID000ZO70 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 BKID000ZO70 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9421392609.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ranchi Zonal Office are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to BKID000ZO70 continue to work without interruption.
Branch address & contact
Bank of IndiaRanchi Zonal Office Branch
PRADHAN TOIWERS NEAR OVERBRIDGE MAIN RAOD R
Ranchi, Jharkhand
Phone: 91-9421392609
IFSC: BKID000ZO70
Frequently asked questions
How do I add Bank of India Ranchi Zonal Office as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID000ZO70, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Bank of India Ranchi Zonal Office branch located?
Bank of India's Ranchi Zonal Office branch is located at PRADHAN TOIWERS NEAR OVERBRIDGE MAIN RAOD R, Ranchi, Jharkhand.
Is IFSC BKID000ZO70 valid for NEFT and RTGS?
Yes. IFSC BKID000ZO70 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Ranchi Zonal Office branch but serve different purposes.
How quickly will an NEFT transfer using BKID000ZO70 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Ranchi Zonal Office reflect within 30 minutes.
What is the phone number of Bank of India Ranchi Zonal Office branch?
You can reach the branch at 91-9421392609 during regular banking hours.
Summary
The IFSC code BKID000ZO70 belongs to Bank of India's RANCHI ZONAL OFFICE branch, located at PRADHAN TOIWERS NEAR OVERBRIDGE MAIN RAOD R in RANCHI, JHARKHAND. 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.
