If you are searching for the IFSC code of Bandhan Bank Limited, BHAKTINAGAR branch in BHAKTINAGAR, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is BDBL0001077. 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 BHAKTINAGAR branch, and detailed step-by-step guides for using the IFSC BDBL0001077 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, BDBL0001077 is the IFSC of Bandhan Bank Limited's BHAKTINAGAR branch. The format is fixed: BDBL = bank code, 0 = reserved, 001077 = branch identifier.
Bank profile
Bandhan Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhaktinagar branch — IFSC BDBL0001077 — extends the bank's services to customers in and around Bhaktinagar, West Bengal.
About this branch
The branch is located at VILL BHAKTINAGAR, P.O. PHANSIDEWA, DIST. DARJEELING, WEST BENGAL, PIN-734434. It serves the Bhaktinagar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Bandhan Bank Limited. The IFSC BDBL0001077 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Bandhan Bank Limited |
|---|---|
| Branch | Bhaktinagar |
| IFSC Code | BDBL0001077 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL BHAKTINAGAR, P.O. PHANSIDEWA, DIST. DARJEELING, WEST BENGAL, PIN-734434 |
| City | Bhaktinagar |
| District | Darjeeling |
| State | West Bengal |
| Phone | 7596010771 |
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 BHAKTINAGAR of Bandhan Bank Limited — its own 11-character IFSC. The code BDBL0001077 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 BDBL0001077 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 BDBL0001077 and the account number together uniquely identify the Bhaktinagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC BDBL0001077
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 BDBL0001077 across all three.
How to use IFSC BDBL0001077 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bandhan Bank Limited's BHAKTINAGAR 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 BDBL0001077.
- Confirm the bank name auto-populates as Bandhan Bank Limited and the branch as BHAKTINAGAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BDBL0001077
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 Bandhan Bank Limited – BHAKTINAGAR, ensure your bank's portal accepts IFSC BDBL0001077 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bandhan Bank Limited BHAKTINAGAR (IFSC BDBL0001077)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BDBL0001077 in your mobile or internet banking app, and the money is credited to the BHAKTINAGAR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Bhaktinagar
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 BDBL0001077:
- 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 BHAKTINAGAR is still linked to IFSC BDBL0001077.
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 BDBL0001077
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 Bandhan Bank Limited – BHAKTINAGAR is still mapped to IFSC BDBL0001077. 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 BDBL0001077 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Bhaktinagar branch is mapped to IFSC BDBL0001077 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 BDBL0001077.
Banking services available
The Bhaktinagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7596010771.
- 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 BDBL0001077
Digital banking channels
Most day-to-day work that customers used to do at the Bhaktinagar 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 BDBL0001077 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 Bhaktinagar branch
The branch is located at VILL BHAKTINAGAR, P.O. PHANSIDEWA, DIST. DARJEELING, WEST BENGAL, PIN-734434, which puts it inside Bhaktinagar, the broader Darjeeling district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Bandhan Bank Limited Bhaktinagar branch” — the verified location pin for IFSC BDBL0001077 should appear at the top of the results.
- Confirm the branch is open by calling 7596010771 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 BDBL0001077 and your account number.
Common mistakes to avoid when using IFSC BDBL0001077
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 Bandhan Bank Limited – BHAKTINAGAR, 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:
BDBL0001077. - 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 Bhaktinagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BDBL0001077, however, work 24x7.
Verifying IFSC BDBL0001077 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 BDBL0001077 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 7596010771.
- Visiting the bank's official branch locator page.
Branch address & contact
Bandhan Bank LimitedBhaktinagar Branch
VILL BHAKTINAGAR, P.O. PHANSIDEWA, DIST. DARJEELING, WEST BENGAL, PIN-734434
Bhaktinagar, West Bengal
Phone: 7596010771
IFSC: BDBL0001077
Frequently asked questions
How quickly will an NEFT transfer using BDBL0001077 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bandhan Bank Limited – Bhaktinagar reflect within 30 minutes.
Is IFSC BDBL0001077 valid for NEFT and RTGS?
Yes. IFSC BDBL0001077 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 Bhaktinagar branch but serve different purposes.
Is IFSC BDBL0001077 the same for all accounts at Bhaktinagar branch?
Yes. The IFSC BDBL0001077 is shared by every account held at Bandhan Bank Limited's Bhaktinagar branch. Only the account number changes from customer to customer.
How do I add Bandhan Bank Limited Bhaktinagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BDBL0001077, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC BDBL0001077 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BDBL0001077 to send funds instantly.
Where is Bandhan Bank Limited Bhaktinagar branch located?
Bandhan Bank Limited's Bhaktinagar branch is located at VILL BHAKTINAGAR, P.O. PHANSIDEWA, DIST. DARJEELING, WEST BENGAL, PIN-734434, Bhaktinagar, West Bengal.
Summary
The IFSC code BDBL0001077 belongs to Bandhan Bank Limited's BHAKTINAGAR branch, located at VILL BHAKTINAGAR, P.O. PHANSIDEWA, DIST. DARJEELING, WEST BENGAL, PIN-734434 in BHAKTINAGAR, 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.
