IFSC Code of Bandhan Bank Limited, Baragachhia Branch, West Bengal

If you are searching for the IFSC code of Bandhan Bank Limited, BARAGACHHIA branch in BARAGACHHIA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is BDBL0001404. 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 BARAGACHHIA branch, and detailed step-by-step guides for using the IFSC BDBL0001404 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 Bandhan Bank Limited – BARAGACHHIA is BDBL0001404. The first four letters BDBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001404 map to this branch in BARAGACHHIA, WEST BENGAL.

About Bandhan Bank Limited

Bandhan Bank Limited operates a wide network of branches across India, including the Baragachhia branch in Baragachhia. 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, BDBL0001404.

Baragachhia branch overview

Located at VILL BAROGACHHIYA,P.O. CHANCHAL, DIST. MALDA, WEST BENGAL, PIN - 732123, the Baragachhia branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BDBL0001404 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

Why every Bandhan Bank Limited 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 BARAGACHHIA of Bandhan Bank Limited — its own 11-character IFSC. The code BDBL0001404 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 BDBL0001404 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Bandhan Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC BDBL0001404 and the account number together uniquely identify the Baragachhia branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC BDBL0001404

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 BDBL0001404 across all three.

NEFT to Bandhan Bank Limited, BARAGACHHIA using IFSC BDBL0001404

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 BDBL0001404, and confirm that the system picks up Bandhan Bank Limited – BARAGACHHIA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BARAGACHHIA

If you need to transfer ₹2 lakh or more in one go to an account at Bandhan Bank Limited's BARAGACHHIA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BDBL0001404 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Bandhan Bank Limited – BARAGACHHIA, use IMPS. With IFSC BDBL0001404 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 Baragachhia

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 BDBL0001404:

• 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 BARAGACHHIA is still linked to IFSC BDBL0001404.

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 Bandhan Bank Limited's BARAGACHHIA branch, the IFSC BDBL0001404 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 Baragachhia branch is mapped to IFSC BDBL0001404 on the RBI payments network. The branch generally supports the full retail product catalogue of Bandhan Bank Limited, 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 BDBL0001404.

Products and services

Customers walking into the Baragachhia branch can access most of Bandhan Bank Limited'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 BDBL0001404

Digital banking channels

Most day-to-day work that customers used to do at the Baragachhia 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 BDBL0001404 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.

How to reach the Baragachhia branch

The branch is located at VILL BAROGACHHIYA,P.O. CHANCHAL, DIST. MALDA, WEST BENGAL, PIN - 732123, which puts it inside Baragachhia, the broader Malda district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Bandhan Bank Limited Baragachhia branch” — the verified location pin for IFSC BDBL0001404 should appear at the top of the results.
2. Confirm the branch is open by calling 9073914041 before stepping out, especially around public holidays.
3. 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 BDBL0001404 and your account number.

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 Bandhan Bank Limited – BARAGACHHIA:

• The IFSC is exactly BDBL0001404 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Bandhan Bank Limited as the bank name and BARAGACHHIA 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.

Working hours

Branch counters at Baragachhia 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 BDBL0001404 continue to work without interruption.

Verifying IFSC BDBL0001404 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 BDBL0001404 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9073914041.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BDBL0001404 belongs to Bandhan Bank Limited's BARAGACHHIA branch, located at VILL BAROGACHHIYA,P.O. CHANCHAL, DIST. MALDA, WEST BENGAL, PIN - 732123 in BARAGACHHIA, 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.