IFSC Code of Bank of India, Surat Zonal Office Branch, Gujarat

If you are searching for the IFSC code of Bank of India, SURAT ZONAL OFFICE branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is BKID000ZO30. 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 SURAT ZONAL OFFICE branch, and detailed step-by-step guides for using the IFSC BKID000ZO30 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.

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 SURAT ZONAL OFFICE branch, the IFSC BKID000ZO30 breaks down as follows: BKID identifies the bank, 0 is the reserved character, and 00ZO30 identifies this particular branch.

Branch details at a glance

About the bank

Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Surat Zonal Office branch in Surat, Gujarat is part of this network and uses the IFSC code BKID000ZO30 for all electronic settlement.

Surat Zonal Office branch overview

Located at BANK OF INDIA BUILDING,SURAT ZONAL OFFICE,1ST FLOOR,OPP PANJARA POLE,GHODDOD ROAD,PINCODE 395007, the Surat 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 BKID000ZO30 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 SURAT ZONAL OFFICE of Bank of India — its own 11-character IFSC. The code BKID000ZO30 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 BKID000ZO30 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 BKID000ZO30

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 BKID000ZO30 across all three.

How to use IFSC BKID000ZO30 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's SURAT 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC BKID000ZO30.
4. Confirm the bank name auto-populates as Bank of India and the branch as SURAT ZONAL OFFICE.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC BKID000ZO30

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 – SURAT ZONAL OFFICE, ensure your bank's portal accepts IFSC BKID000ZO30 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bank of India SURAT ZONAL OFFICE (IFSC BKID000ZO30)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID000ZO30 in your mobile or internet banking app, and the money is credited to the SURAT ZONAL OFFICE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Surat 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 BKID000ZO30:

• 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 SURAT ZONAL OFFICE is still linked to IFSC BKID000ZO30.

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 BKID000ZO30

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 – SURAT ZONAL OFFICE is still mapped to IFSC BKID000ZO30. 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 BKID000ZO30 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Surat Zonal Office branch is mapped to IFSC BKID000ZO30 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 BKID000ZO30.

Banking services available

The Surat Zonal Office branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-7908315857.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC BKID000ZO30

MICR & cheque-truncation details

Cheques drawn on the Surat Zonal Office branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BKID000ZO30 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC BKID000ZO30

Bank of India customers can register for net banking and the bank's official mobile app once their account at the SURAT 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 BKID000ZO30 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 BKID000ZO30

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 – SURAT 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: BKID000ZO30.
• 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.

Reaching the branch

The Surat Zonal Office branch sits at BANK OF INDIA BUILDING,SURAT ZONAL OFFICE,1ST FLOOR,OPP PANJARA POLE,GHODDOD ROAD,PINCODE 395007. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-7908315857 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 BKID000ZO30 and your account number.

Verifying IFSC BKID000ZO30 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 BKID000ZO30 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-7908315857.
• 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 Surat Zonal Office branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID000ZO30, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BKID000ZO30 belongs to Bank of India's SURAT ZONAL OFFICE branch, located at BANK OF INDIA BUILDING,SURAT ZONAL OFFICE,1ST FLOOR,OPP PANJARA POLE,GHODDOD… in SURAT, GUJARAT. 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.