Use this page as a one-stop reference for everything related to Bank of India's VADODARA ZONAL OFFICE branch in VADODARA, GUJARAT. The branch's IFSC code BKID000ZO75 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.
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 – VADODARA ZONAL OFFICE is BKID000ZO75. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00ZO75 map to this branch in VADODARA, GUJARAT.
Branch details at a glance
| Bank Name | Bank of India |
|---|---|
| Branch | Vadodara Zonal Office |
| IFSC Code | BKID000ZO75 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1ST FLOOR BOI BUILDING ELLORA PARK VADODARA |
| City | Vadodara |
| District | Gandhinagar |
| State | Gujarat |
| STD Code | 91 |
| Phone | 9421392614 |
About Bank of India
Bank of India operates a wide network of branches across India, including the Vadodara Zonal Office branch in Vadodara. 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, BKID000ZO75.
About this branch
The branch is located at 1ST FLOOR BOI BUILDING ELLORA PARK VADODARA. It serves the Vadodara 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 BKID000ZO75 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 VADODARA ZONAL OFFICE branch came to be assigned the code BKID000ZO75.
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 BKID000ZO75, money simply cannot be routed to the VADODARA ZONAL OFFICE branch electronically.
How to transfer money using IFSC BKID000ZO75
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 BKID000ZO75 across all three.
NEFT to Bank of India, VADODARA ZONAL OFFICE using IFSC BKID000ZO75
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 BKID000ZO75, and confirm that the system picks up Bank of India – VADODARA ZONAL OFFICE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BKID000ZO75
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 – VADODARA ZONAL OFFICE, ensure your bank's portal accepts IFSC BKID000ZO75 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of India – VADODARA ZONAL OFFICE, use IMPS. With IFSC BKID000ZO75 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 Vadodara 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 BKID000ZO75:
- 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 VADODARA ZONAL OFFICE is still linked to IFSC BKID000ZO75.
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.
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 VADODARA ZONAL OFFICE branch, the IFSC BKID000ZO75 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.
Products and account variants supported
Every account opened at the Vadodara Zonal Office branch is mapped to IFSC BKID000ZO75 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 BKID000ZO75.
Products and services
Customers walking into the Vadodara 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 BKID000ZO75
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 BKID000ZO75 and the account number together uniquely identify the Vadodara Zonal Office branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Vadodara Zonal Office branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC BKID000ZO75 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Common mistakes to avoid when using IFSC BKID000ZO75
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 – VADODARA 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:
BKID000ZO75. - 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 Vadodara Zonal Office branch
The branch is located at 1ST FLOOR BOI BUILDING ELLORA PARK VADODARA, which puts it inside Vadodara, the broader Gandhinagar district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Bank of India Vadodara Zonal Office branch” — the verified location pin for IFSC BKID000ZO75 should appear at the top of the results.
- Confirm the branch is open by calling 91-9421392614 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 BKID000ZO75 and your account number.
Verifying IFSC BKID000ZO75 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 BKID000ZO75 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9421392614.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Vadodara 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 BKID000ZO75 continue to work without interruption.
Branch address & contact
Bank of IndiaVadodara Zonal Office Branch
1ST FLOOR BOI BUILDING ELLORA PARK VADODARA
Vadodara, Gujarat
Phone: 91-9421392614
IFSC: BKID000ZO75
Frequently asked questions
What is the IFSC code of Bank of India Vadodara Zonal Office branch?
The IFSC code of Bank of India, Vadodara Zonal Office branch is BKID000ZO75. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC BKID000ZO75 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BKID000ZO75 to send funds instantly.
Is IFSC BKID000ZO75 valid for NEFT and RTGS?
Yes. IFSC BKID000ZO75 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 Vadodara Zonal Office branch but serve different purposes.
Is IFSC BKID000ZO75 the same for all accounts at Vadodara Zonal Office branch?
Yes. The IFSC BKID000ZO75 is shared by every account held at Bank of India's Vadodara Zonal Office branch. Only the account number changes from customer to customer.
How do I add Bank of India Vadodara Zonal Office as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BKID000ZO75, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: BKID000ZO75 is the IFSC code of Bank of India, VADODARA ZONAL OFFICE branch, in VADODARA, GUJARAT. 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.
