IFSC Code of Bandhan Bank Limited, Junagadh Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bandhan Bank Limited, JUNAGADH branch in JUNAGADH. The 11-digit IFSC BDBL0002963 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Bandhan Bank Limited at the JUNAGADH location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, BDBL0002963 is the IFSC of Bandhan Bank Limited's JUNAGADH branch. The format is fixed: BDBL = bank code, 0 = reserved, 002963 = branch identifier.

About Bandhan Bank Limited

Bandhan Bank Limited operates a wide network of branches across India, including the Junagadh branch in Junagadh. 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, BDBL0002963.

Branch details at a glance

About the Junagadh branch

The Junagadh branch of Bandhan Bank Limited is situated at 101, 1ST FLOOR, PRISM COMPLEX NEAR S.T. STAND JUNAGADH - 362001, GUJARAT. 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 BDBL0002963 is used.

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 JUNAGADH branch came to be assigned the code BDBL0002963.

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 BDBL0002963, money simply cannot be routed to the JUNAGADH branch electronically.

Account types you can open at the Junagadh branch

Once you have an account at Bandhan Bank Limited – JUNAGADH, the IFSC BDBL0002963 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 Junagadh 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 BDBL0002963

How to transfer money using IFSC BDBL0002963

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 BDBL0002963 across all three.

NEFT to Bandhan Bank Limited, JUNAGADH using IFSC BDBL0002963

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 BDBL0002963, and confirm that the system picks up Bandhan Bank Limited – JUNAGADH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to JUNAGADH

If you need to transfer ₹2 lakh or more in one go to an account at Bandhan Bank Limited's JUNAGADH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BDBL0002963 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 – JUNAGADH, use IMPS. With IFSC BDBL0002963 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 BDBL0002963 for Bandhan Bank Limited – JUNAGADH, 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.

For most retail customers crediting the Junagadh 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 BDBL0002963

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 – JUNAGADH is still mapped to IFSC BDBL0002963. 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 BDBL0002963 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 Junagadh 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 BDBL0002963 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 & cheque-truncation details

Cheques drawn on the Junagadh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BDBL0002963 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC BDBL0002963

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 – JUNAGADH, 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: BDBL0002963.
• 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 Junagadh branch

The branch is located at 101, 1ST FLOOR, PRISM COMPLEX NEAR S.T. STAND JUNAGADH - 362001, GUJARAT, which puts it inside Junagadh, the broader Junagadh district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Bandhan Bank Limited Junagadh branch” — the verified location pin for IFSC BDBL0002963 should appear at the top of the results.
2. Confirm the branch is open by calling 33-40456456 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 BDBL0002963 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BDBL0002963 for Bandhan Bank Limited – JUNAGADH, 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.

Working hours

Branch counters at Junagadh 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 BDBL0002963 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BDBL0002963 belongs to Bandhan Bank Limited's JUNAGADH branch, located at 101, 1ST FLOOR, PRISM COMPLEX NEAR S.T. STAND JUNAGADH - 362001, GUJARAT in JUNAGADH, GUJARAT. 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.