If you are searching for the IFSC code of Bandhan Bank Limited, JOYNAGAR branch in JOYNAGAR, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is BDBL0001081. 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 JOYNAGAR branch, and detailed step-by-step guides for using the IFSC BDBL0001081 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, BDBL0001081 is the IFSC of Bandhan Bank Limited's JOYNAGAR branch. The format is fixed: BDBL = bank code, 0 = reserved, 001081 = branch identifier.
About the bank
Bandhan Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Joynagar branch in Joynagar, West Bengal is part of this network and uses the IFSC code BDBL0001081 for all electronic settlement.
Branch details at a glance
| Bank Name | Bandhan Bank Limited |
|---|---|
| Branch | Joynagar |
| IFSC Code | BDBL0001081 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 410 NS ROAD, JOYNAGAR, MOZILPUR, P.O -JOYNAGAR, SOUTH 24 PARGANAS, WEST BENGAL, PIN-743337 |
| City | Joynagar |
| District | South 24 Parganas |
| State | West Bengal |
| Phone | 7596010811 |
About this branch
The branch is located at 410 NS ROAD, JOYNAGAR, MOZILPUR, P.O -JOYNAGAR, SOUTH 24 PARGANAS, WEST BENGAL, PIN-743337. It serves the Joynagar 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 BDBL0001081 is used to identify this branch on the RBI payments network.
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 JOYNAGAR of Bandhan Bank Limited — its own 11-character IFSC. The code BDBL0001081 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 BDBL0001081 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Joynagar branch is mapped to IFSC BDBL0001081 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 BDBL0001081.
Banking services available
The Joynagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7596010811.
- 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 BDBL0001081
How to transfer money using IFSC BDBL0001081
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 BDBL0001081 across all three.
NEFT to Bandhan Bank Limited, JOYNAGAR using IFSC BDBL0001081
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 BDBL0001081, and confirm that the system picks up Bandhan Bank Limited – JOYNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BDBL0001081
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 – JOYNAGAR, ensure your bank's portal accepts IFSC BDBL0001081 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bandhan Bank Limited – JOYNAGAR, use IMPS. With IFSC BDBL0001081 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 BDBL0001081 for Bandhan Bank Limited – JOYNAGAR, 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 – BDBL0001081 | Yes – BDBL0001081 | Yes – BDBL0001081 |
For most retail customers crediting the Joynagar 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.
UPI payments and IFSC BDBL0001081
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 – JOYNAGAR is still mapped to IFSC BDBL0001081. 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 BDBL0001081 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Joynagar 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 BDBL0001081 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.
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 BDBL0001081 and the account number together uniquely identify the Joynagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – JOYNAGAR:
- The IFSC is exactly BDBL0001081 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 JOYNAGAR 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.
How to reach the Joynagar branch
The branch is located at 410 NS ROAD, JOYNAGAR, MOZILPUR, P.O -JOYNAGAR, SOUTH 24 PARGANAS, WEST BENGAL, PIN-743337, which puts it inside Joynagar, the broader South 24 Parganas district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Bandhan Bank Limited Joynagar branch” — the verified location pin for IFSC BDBL0001081 should appear at the top of the results.
- Confirm the branch is open by calling 7596010811 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 BDBL0001081 and your account number.
Verifying IFSC BDBL0001081 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 BDBL0001081 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 7596010811.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Joynagar 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 BDBL0001081 continue to work without interruption.
Branch address & contact
Bandhan Bank LimitedJoynagar Branch
410 NS ROAD, JOYNAGAR, MOZILPUR, P.O -JOYNAGAR, SOUTH 24 PARGANAS, WEST BENGAL, PIN-743337
Joynagar, West Bengal
Phone: 7596010811
IFSC: BDBL0001081
Frequently asked questions
Is IFSC BDBL0001081 the same for all accounts at Joynagar branch?
Yes. The IFSC BDBL0001081 is shared by every account held at Bandhan Bank Limited's Joynagar branch. Only the account number changes from customer to customer.
Where is Bandhan Bank Limited Joynagar branch located?
Bandhan Bank Limited's Joynagar branch is located at 410 NS ROAD, JOYNAGAR, MOZILPUR, P.O -JOYNAGAR, SOUTH 24 PARGANAS, WEST BENGAL, PIN-743337, Joynagar, West Bengal.
What is the IFSC code of Bandhan Bank Limited Joynagar branch?
The IFSC code of Bandhan Bank Limited, Joynagar branch is BDBL0001081. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Bandhan Bank Limited Joynagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BDBL0001081, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Bandhan Bank Limited Joynagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 7596010811 to confirm.
What is the phone number of Bandhan Bank Limited Joynagar branch?
You can reach the branch at 7596010811 during regular banking hours.
Summary
The IFSC code BDBL0001081 belongs to Bandhan Bank Limited's JOYNAGAR branch, located at 410 NS ROAD, JOYNAGAR, MOZILPUR, P.O -JOYNAGAR, SOUTH 24 PARGANAS, WEST… in JOYNAGAR, 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.
