Below are the complete branch details for Bandhan Bank Limited, GUMLA BRANCH branch, located in GUMLA, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is BDBL0002603. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case BDBL0002603 for Bandhan Bank Limited – GUMLA BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, BDBL0002603 is the IFSC of Bandhan Bank Limited's GUMLA BRANCH branch. The format is fixed: BDBL = bank code, 0 = reserved, 002603 = branch identifier.
Branch details at a glance
| Bank Name | Bandhan Bank Limited |
|---|---|
| Branch | Gumla Branch |
| IFSC Code | BDBL0002603 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, PLOT NO-327,LOHARDAGA ROAD, NEAR BIHAR OPTICS,GUMLA,STATE-JHARKHAND,PIN-835207 |
| City | Gumla |
| District | Gumla |
| State | Jharkhand |
| STD Code | 33 |
| Phone | 8092167683 |
About the bank
Bandhan Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Gumla Branch branch in Gumla, Jharkhand is part of this network and uses the IFSC code BDBL0002603 for all electronic settlement.
About this branch
The branch is located at GROUND FLOOR, PLOT NO-327,LOHARDAGA ROAD, NEAR BIHAR OPTICS,GUMLA,STATE-JHARKHAND,PIN-835207. It serves the Gumla 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 BDBL0002603 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 Bandhan Bank Limited's GUMLA BRANCH branch came to be assigned the code BDBL0002603.
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 BDBL0002603, money simply cannot be routed to the GUMLA BRANCH branch electronically.
How to transfer money using IFSC BDBL0002603
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 BDBL0002603 across all three.
How to use IFSC BDBL0002603 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bandhan Bank Limited's GUMLA BRANCH 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 BDBL0002603.
- Confirm the bank name auto-populates as Bandhan Bank Limited and the branch as GUMLA BRANCH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BDBL0002603
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 – GUMLA BRANCH, ensure your bank's portal accepts IFSC BDBL0002603 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bandhan Bank Limited – GUMLA BRANCH, use IMPS. With IFSC BDBL0002603 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BDBL0002603 for Bandhan Bank Limited – GUMLA BRANCH, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – BDBL0002603 | Yes – BDBL0002603 | Yes – BDBL0002603 |
For most retail customers crediting the Gumla Branch branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
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 GUMLA BRANCH branch, the IFSC BDBL0002603 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 Gumla Branch branch
Once you have an account at Bandhan Bank Limited – GUMLA BRANCH, the IFSC BDBL0002603 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.
Products and services
Customers walking into the Gumla Branch 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 BDBL0002603
MICR & cheque-truncation details
Cheques drawn on the Gumla Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BDBL0002603 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Gumla Branch 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 BDBL0002603 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 BDBL0002603
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 – GUMLA BRANCH, 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:
BDBL0002603. - 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 Gumla Branch branch
The branch is located at GROUND FLOOR, PLOT NO-327,LOHARDAGA ROAD, NEAR BIHAR OPTICS,GUMLA,STATE-JHARKHAND,PIN-835207, which puts it inside Gumla, the broader Gumla district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “Bandhan Bank Limited Gumla Branch branch” — the verified location pin for IFSC BDBL0002603 should appear at the top of the results.
- Confirm the branch is open by calling 33-8092167683 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 BDBL0002603 and your account number.
Verifying IFSC BDBL0002603 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 BDBL0002603 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-8092167683.
- 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 Gumla Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BDBL0002603, however, work 24x7.
Branch address & contact
Bandhan Bank LimitedGumla Branch Branch
GROUND FLOOR, PLOT NO-327,LOHARDAGA ROAD, NEAR BIHAR OPTICS,GUMLA,STATE-JHARKHAND,PIN-835207
Gumla, Jharkhand
Phone: 33-8092167683
IFSC: BDBL0002603
Frequently asked questions
Where is Bandhan Bank Limited Gumla Branch branch located?
Bandhan Bank Limited's Gumla Branch branch is located at GROUND FLOOR, PLOT NO-327,LOHARDAGA ROAD, NEAR BIHAR OPTICS,GUMLA,STATE-JHARKHAND,PIN-835207, Gumla, Jharkhand.
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 Gumla Branch branch but serve different purposes.
Can I use IFSC BDBL0002603 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BDBL0002603 to send funds instantly.
What is the phone number of Bandhan Bank Limited Gumla Branch branch?
You can reach the branch at 33-8092167683 during regular banking hours.
Is IFSC BDBL0002603 valid for NEFT and RTGS?
Yes. IFSC BDBL0002603 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC BDBL0002603 the same for all accounts at Gumla Branch branch?
Yes. The IFSC BDBL0002603 is shared by every account held at Bandhan Bank Limited's Gumla Branch branch. Only the account number changes from customer to customer.
How do I add Bandhan Bank Limited Gumla Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BDBL0002603, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using BDBL0002603 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bandhan Bank Limited – Gumla Branch reflect within 30 minutes.
Summary
The IFSC code BDBL0002603 belongs to Bandhan Bank Limited's GUMLA BRANCH branch, located at GROUND FLOOR, PLOT NO-327,LOHARDAGA ROAD, NEAR BIHAR… in GUMLA, JHARKHAND. 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.
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