IFSC Code of Bandhan Bank Limited, Hubballi I Branch, Karnataka

Use this page as a one-stop reference for everything related to Bandhan Bank Limited's HUBBALLI I branch in DHARWAD, KARNATAKA. The branch's IFSC code BDBL0002905 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 Bandhan Bank Limited – HUBBALLI I is BDBL0002905. The first four letters BDBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002905 map to this branch in DHARWAD, KARNATAKA.

About the bank

Bandhan Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Hubballi I branch in Dharwad, Karnataka is part of this network and uses the IFSC code BDBL0002905 for all electronic settlement.

About the Hubballi I branch

The Hubballi I branch of Bandhan Bank Limited is situated at HFCENTER 1ST FLOOR, VIVEKANAND CORNER, DESAI CROSS, CLUB ROAD, HUBBBALLI - 580029. KARNATAKA. 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 BDBL0002905 is used.

Branch details at a glance

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 Bandhan Bank Limited's HUBBALLI I branch came to be assigned the code BDBL0002905.

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 BDBL0002905, money simply cannot be routed to the HUBBALLI I branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Hubballi I branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BDBL0002905 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 BDBL0002905

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 BDBL0002905 across all three.

How to use IFSC BDBL0002905 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bandhan Bank Limited's HUBBALLI I 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 BDBL0002905.
4. Confirm the bank name auto-populates as Bandhan Bank Limited and the branch as HUBBALLI I.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to HUBBALLI I

If you need to transfer ₹2 lakh or more in one go to an account at Bandhan Bank Limited's HUBBALLI I branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BDBL0002905 while initiating the transfer and the credit will appear within minutes.

IMPS to Bandhan Bank Limited HUBBALLI I (IFSC BDBL0002905)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BDBL0002905 in your mobile or internet banking app, and the money is credited to the HUBBALLI I branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Hubballi I

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 BDBL0002905:

• 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 HUBBALLI I is still linked to IFSC BDBL0002905.

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 HUBBALLI I branch, the IFSC BDBL0002905 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.

Account types you can open at the Hubballi I branch

Once you have an account at Bandhan Bank Limited – HUBBALLI I, the IFSC BDBL0002905 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.

Banking services available

The Hubballi I branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-40456456.

• 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 BDBL0002905

Digital banking channels

Most day-to-day work that customers used to do at the Hubballi I 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 BDBL0002905 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.

Reaching the branch

The Hubballi I branch sits at HFCENTER 1ST FLOOR, VIVEKANAND CORNER, DESAI CROSS, CLUB ROAD, HUBBBALLI - 580029. KARNATAKA. If you are travelling from outside Dharwad, search for the branch on a maps application using the bank name and locality, or call 33-40456456 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 BDBL0002905 and your account number.

Common mistakes to avoid when using IFSC BDBL0002905

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 – HUBBALLI I, 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: BDBL0002905.
• 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 Hubballi I branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BDBL0002905, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BDBL0002905 for Bandhan Bank Limited – HUBBALLI I, 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

Frequently asked questions

Final notes

To recap: BDBL0002905 is the IFSC code of Bandhan Bank Limited, HUBBALLI I branch, in DHARWAD, KARNATAKA. 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.