Use this page as a one-stop reference for everything related to Bank of India's SAMBALPUR ZONAL OFFICE branch in SAMBALPUR, ODISHA. The branch's IFSC code BKID000ZO94 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.
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 SAMBALPUR ZONAL OFFICE branch, the IFSC BKID000ZO94 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 00ZO94 identifies this particular branch.
Bank profile
Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Sambalpur Zonal Office branch — IFSC BKID000ZO94 — extends the bank's services to customers in and around Sambalpur, Odisha.
About the Sambalpur Zonal Office branch
The Sambalpur Zonal Office branch of Bank of India is situated at NEAR ST JOHNS SCHOOLVIANNEY NAGARDHANKAUDASAMBALPUR 768006ORISSA. 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 BKID000ZO94 is used.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Sambalpur Zonal Office |
| IFSC Code | BKID000ZO94 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR ST JOHNS SCHOOLVIANNEY NAGARDHANKAUDASAMBALPUR 768006ORISSA |
| City | Sambalpur |
| District | Sambalpur |
| State | Odisha |
| STD Code | 91 |
| Phone | 9421392633 |
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 SAMBALPUR ZONAL OFFICE of Bank of India — its own 11-character IFSC. The code BKID000ZO94 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 BKID000ZO94 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Sambalpur Zonal Office branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID000ZO94 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC BKID000ZO94
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 BKID000ZO94 across all three.
How to use IFSC BKID000ZO94 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's SAMBALPUR 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 BKID000ZO94.
- Confirm the bank name auto-populates as Bank of India and the branch as SAMBALPUR 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 BKID000ZO94
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 – SAMBALPUR ZONAL OFFICE, ensure your bank's portal accepts IFSC BKID000ZO94 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – SAMBALPUR ZONAL OFFICE, use IMPS. With IFSC BKID000ZO94 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 Sambalpur 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 BKID000ZO94:
- 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 SAMBALPUR ZONAL OFFICE is still linked to IFSC BKID000ZO94.
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 BKID000ZO94
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 – SAMBALPUR ZONAL OFFICE is still mapped to IFSC BKID000ZO94. 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 BKID000ZO94 and the beneficiary's account number to complete the transfer.
Account types you can open at the Sambalpur Zonal Office branch
Once you have an account at Bank of India – SAMBALPUR ZONAL OFFICE, the IFSC BKID000ZO94 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 Sambalpur 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 BKID000ZO94
Online banking and IFSC BKID000ZO94
Bank of India customers can register for net banking and the bank's official mobile app once their account at the SAMBALPUR 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 BKID000ZO94 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.
How to reach the Sambalpur Zonal Office branch
The branch is located at NEAR ST JOHNS SCHOOLVIANNEY NAGARDHANKAUDASAMBALPUR 768006ORISSA, which puts it inside Sambalpur, the broader Sambalpur district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Sambalpur Zonal Office branch” — the verified location pin for IFSC BKID000ZO94 should appear at the top of the results.
- Confirm the branch is open by calling 91-9421392633 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 BKID000ZO94 and your account number.
Common mistakes to avoid when using IFSC BKID000ZO94
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 – SAMBALPUR 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:
BKID000ZO94. - 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.
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 Sambalpur Zonal Office branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID000ZO94, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BKID000ZO94 for Bank of India – SAMBALPUR ZONAL OFFICE, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Branch address & contact
Bank of IndiaSambalpur Zonal Office Branch
NEAR ST JOHNS SCHOOLVIANNEY NAGARDHANKAUDASAMBALPUR 768006ORISSA
Sambalpur, Odisha
Phone: 91-9421392633
IFSC: BKID000ZO94
Frequently asked questions
What is the phone number of Bank of India Sambalpur Zonal Office branch?
You can reach the branch at 91-9421392633 during regular banking hours.
Is IFSC BKID000ZO94 valid for NEFT and RTGS?
Yes. IFSC BKID000ZO94 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using BKID000ZO94 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of India – Sambalpur Zonal Office reflect within 30 minutes.
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 Sambalpur Zonal Office branch but serve different purposes.
Is IFSC BKID000ZO94 the same for all accounts at Sambalpur Zonal Office branch?
Yes. The IFSC BKID000ZO94 is shared by every account held at Bank of India's Sambalpur Zonal Office branch. Only the account number changes from customer to customer.
Where is Bank of India Sambalpur Zonal Office branch located?
Bank of India's Sambalpur Zonal Office branch is located at NEAR ST JOHNS SCHOOLVIANNEY NAGARDHANKAUDASAMBALPUR 768006ORISSA, Sambalpur, Odisha.
How do I add Bank of India Sambalpur Zonal Office as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID000ZO94, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: BKID000ZO94 is the IFSC code of Bank of India, SAMBALPUR ZONAL OFFICE branch, in SAMBALPUR, ODISHA. 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.
