If you are searching for the IFSC code of Bandhan Bank Limited, KADUBARI branch in KADUBARI, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is BDBL0001048. 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 KADUBARI branch, and detailed step-by-step guides for using the IFSC BDBL0001048 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.
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 – KADUBARI is BDBL0001048. The first four letters BDBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001048 map to this branch in KADUBARI, WEST BENGAL.
About the bank
Bandhan Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kadubari branch in Kadubari, West Bengal is part of this network and uses the IFSC code BDBL0001048 for all electronic settlement.
Branch details at a glance
| Bank Name | Bandhan Bank Limited |
|---|---|
| Branch | Kadubari |
| IFSC Code | BDBL0001048 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL KADUBARI,P.O. GAZOL,DIST. MALDA, GAZOLE, WEST BENGAL, PIN - 732124 |
| City | Kadubari |
| District | Malda |
| State | West Bengal |
| Phone | 9073410481 |
About the Kadubari branch
The Kadubari branch of Bandhan Bank Limited is situated at VILL KADUBARI,P.O. GAZOL,DIST. MALDA, GAZOLE, WEST BENGAL, PIN - 732124. 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 BDBL0001048 is used.
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 KADUBARI of Bandhan Bank Limited — its own 11-character IFSC. The code BDBL0001048 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 BDBL0001048 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 Kadubari branch is mapped to IFSC BDBL0001048 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 BDBL0001048.
Banking services available
The Kadubari branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9073410481.
- 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 BDBL0001048
How to transfer money using IFSC BDBL0001048
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 BDBL0001048 across all three.
How to use IFSC BDBL0001048 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bandhan Bank Limited's KADUBARI 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 BDBL0001048.
- Confirm the bank name auto-populates as Bandhan Bank Limited and the branch as KADUBARI.
- 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 KADUBARI
If you need to transfer ₹2 lakh or more in one go to an account at Bandhan Bank Limited's KADUBARI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BDBL0001048 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 – KADUBARI, use IMPS. With IFSC BDBL0001048 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 BDBL0001048 for Bandhan Bank Limited – KADUBARI, 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 – BDBL0001048 | Yes – BDBL0001048 | Yes – BDBL0001048 |
For most retail customers crediting the Kadubari 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 KADUBARI branch, the IFSC BDBL0001048 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.
Online banking and IFSC BDBL0001048
Bandhan Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KADUBARI branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC BDBL0001048 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
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 BDBL0001048 and the account number together uniquely identify the Kadubari branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC BDBL0001048
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 – KADUBARI, 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:
BDBL0001048. - 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 Kadubari branch
The branch is located at VILL KADUBARI,P.O. GAZOL,DIST. MALDA, GAZOLE, WEST BENGAL, PIN - 732124, which puts it inside Kadubari, the broader Malda district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Bandhan Bank Limited Kadubari branch” — the verified location pin for IFSC BDBL0001048 should appear at the top of the results.
- Confirm the branch is open by calling 9073410481 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 BDBL0001048 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BDBL0001048 for Bandhan Bank Limited – KADUBARI, 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 Kadubari 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 BDBL0001048 continue to work without interruption.
Branch address & contact
Bandhan Bank LimitedKadubari Branch
VILL KADUBARI,P.O. GAZOL,DIST. MALDA, GAZOLE, WEST BENGAL, PIN - 732124
Kadubari, West Bengal
Phone: 9073410481
IFSC: BDBL0001048
Frequently asked questions
Where is Bandhan Bank Limited Kadubari branch located?
Bandhan Bank Limited's Kadubari branch is located at VILL KADUBARI,P.O. GAZOL,DIST. MALDA, GAZOLE, WEST BENGAL, PIN - 732124, Kadubari, West Bengal.
Can I use IFSC BDBL0001048 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BDBL0001048 to send funds instantly.
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 Kadubari branch but serve different purposes.
How do I add Bandhan Bank Limited Kadubari as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BDBL0001048, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Bandhan Bank Limited Kadubari branch?
You can reach the branch at 9073410481 during regular banking hours.
What is the IFSC code of Bandhan Bank Limited Kadubari branch?
The IFSC code of Bandhan Bank Limited, Kadubari branch is BDBL0001048. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using BDBL0001048 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bandhan Bank Limited – Kadubari reflect within 30 minutes.
Is IFSC BDBL0001048 the same for all accounts at Kadubari branch?
Yes. The IFSC BDBL0001048 is shared by every account held at Bandhan Bank Limited's Kadubari branch. Only the account number changes from customer to customer.
Summary
The IFSC code BDBL0001048 belongs to Bandhan Bank Limited's KADUBARI branch, located at VILL KADUBARI,P.O. GAZOL,DIST. MALDA, GAZOLE, WEST BENGAL, PIN - 732124 in KADUBARI, 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.
