This page lists the IFSC code, branch address, contact number and fund-transfer information for Bandhan Bank Limited, KARAD I branch in KARAD. The 11-digit IFSC BDBL0002854 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 KARAD I 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Bandhan Bank Limited's KARAD I branch, the IFSC BDBL0002854 breaks down as follows: BDBL identifies the bank, 0 is the reserved character, and 002854 identifies this particular branch.
About Bandhan Bank Limited
Bandhan Bank Limited operates a wide network of branches across India, including the Karad I branch in Karad. 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, BDBL0002854.
Branch details at a glance
| Bank Name | Bandhan Bank Limited |
|---|---|
| Branch | Karad I |
| IFSC Code | BDBL0002854 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PLOT NO. 271, OFFICE NO.5, 1ST FLOOR, SHRI SAI SAMARTH COMPLEX, KRISHNA NAKA, OPP.DR. CHAVAN HOSPITAL, KARAD-WAKHAN ROAD, KARAD- 415110 MAHARASHTRA |
| City | Karad |
| District | Satara |
| State | Maharashtra |
| STD Code | 33 |
| Phone | 40456456 |
About this branch
The branch is located at PLOT NO. 271, OFFICE NO.5, 1ST FLOOR, SHRI SAI SAMARTH COMPLEX, KRISHNA NAKA, OPP.DR. CHAVAN HOSPITAL, KARAD-WAKHAN ROAD, KARAD- 415110 MAHARASHTRA. It serves the Karad 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 BDBL0002854 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 KARAD I branch came to be assigned the code BDBL0002854.
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 BDBL0002854, money simply cannot be routed to the KARAD I branch electronically.
Products and account variants supported
Every account opened at the Karad I branch is mapped to IFSC BDBL0002854 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 BDBL0002854.
Banking services available
The Karad 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 BDBL0002854
How to transfer money using IFSC BDBL0002854
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 BDBL0002854 across all three.
NEFT to Bandhan Bank Limited, KARAD I using IFSC BDBL0002854
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 BDBL0002854, and confirm that the system picks up Bandhan Bank Limited – KARAD I. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KARAD I
If you need to transfer ₹2 lakh or more in one go to an account at Bandhan Bank Limited's KARAD I branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BDBL0002854 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 – KARAD I, use IMPS. With IFSC BDBL0002854 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 BDBL0002854 for Bandhan Bank Limited – KARAD I, 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 – BDBL0002854 | Yes – BDBL0002854 | Yes – BDBL0002854 |
For most retail customers crediting the Karad I 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 KARAD I branch, the IFSC BDBL0002854 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 BDBL0002854
Bandhan Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KARAD I 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 BDBL0002854 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 & cheque-truncation details
Cheques drawn on the Karad I branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BDBL0002854 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 BDBL0002854
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 – KARAD 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:
BDBL0002854. - 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 Karad I branch
The branch is located at PLOT NO. 271, OFFICE NO.5, 1ST FLOOR, SHRI SAI SAMARTH COMPLEX, KRISHNA NAKA, OPP.DR. CHAVAN HOSPITAL, KARAD-WAKHAN ROAD, KARAD- 415110 MAHARASHTRA, which puts it inside Karad, the broader Satara district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Bandhan Bank Limited Karad I branch” — the verified location pin for IFSC BDBL0002854 should appear at the top of the results.
- Confirm the branch is open by calling 33-40456456 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 BDBL0002854 and your account number.
Verifying IFSC BDBL0002854 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 BDBL0002854 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-40456456.
- 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 Karad I branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BDBL0002854, however, work 24x7.
Branch address & contact
Bandhan Bank LimitedKarad I Branch
PLOT NO. 271, OFFICE NO.5, 1ST FLOOR, SHRI SAI SAMARTH COMPLEX, KRISHNA NAKA, OPP.DR. CHAVAN HOSPITAL, KARAD-WAKHAN ROAD, KARAD- 415110 MAHARASHTRA
Karad, Maharashtra
Phone: 33-40456456
IFSC: BDBL0002854
Frequently asked questions
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 Karad I branch but serve different purposes.
How do I add Bandhan Bank Limited Karad I as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BDBL0002854, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC BDBL0002854 the same for all accounts at Karad I branch?
Yes. The IFSC BDBL0002854 is shared by every account held at Bandhan Bank Limited's Karad I branch. Only the account number changes from customer to customer.
Can I use IFSC BDBL0002854 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BDBL0002854 to send funds instantly.
What is the IFSC code of Bandhan Bank Limited Karad I branch?
The IFSC code of Bandhan Bank Limited, Karad I branch is BDBL0002854. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Bandhan Bank Limited Karad I branch?
You can reach the branch at 33-40456456 during regular banking hours.
Final notes
To recap: BDBL0002854 is the IFSC code of Bandhan Bank Limited, KARAD I branch, in KARAD, MAHARASHTRA. 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.
