IFSC Code of Bandhan Bank Limited, Khumtai Branch, Assam

Use this page as a one-stop reference for everything related to Bandhan Bank Limited's KHUMTAI branch in KHUMTAI, ASSAM. The branch's IFSC code BDBL0001382 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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, BDBL0001382 is the IFSC of Bandhan Bank Limited's KHUMTAI branch. The format is fixed: BDBL = bank code, 0 = reserved, 001382 = branch identifier.

Bank profile

Bandhan Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Khumtai branch — IFSC BDBL0001382 — extends the bank's services to customers in and around Khumtai, Assam.

Branch details at a glance

Khumtai branch overview

Located at 1 NO. KHUMTAI VILLAGE, P. O. MORANHAT, DIST. SIBSAGAR, CHANDAN COMPLEX , 1ST FLOOR, ASSAM, PIN - 785670, the Khumtai branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BDBL0001382 is required for all interbank electronic transfers routed through this branch.

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 KHUMTAI branch came to be assigned the code BDBL0001382.

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 BDBL0001382, money simply cannot be routed to the KHUMTAI branch electronically.

Products and account variants supported

Every account opened at the Khumtai branch is mapped to IFSC BDBL0001382 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 BDBL0001382.

Products and services

Customers walking into the Khumtai 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 BDBL0001382

How to transfer money using IFSC BDBL0001382

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 BDBL0001382 across all three.

NEFT to Bandhan Bank Limited, KHUMTAI using IFSC BDBL0001382

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 BDBL0001382, and confirm that the system picks up Bandhan Bank Limited – KHUMTAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BDBL0001382

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 – KHUMTAI, ensure your bank's portal accepts IFSC BDBL0001382 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Bandhan Bank Limited – KHUMTAI, use IMPS. With IFSC BDBL0001382 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 BDBL0001382 for Bandhan Bank Limited – KHUMTAI, 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 Khumtai 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 BDBL0001382

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 – KHUMTAI is still mapped to IFSC BDBL0001382. 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 BDBL0001382 and the beneficiary's account number to complete the transfer.

Online banking and IFSC BDBL0001382

Bandhan Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KHUMTAI 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 BDBL0001382 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 Khumtai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BDBL0001382 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 BDBL0001382

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 – KHUMTAI, 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: BDBL0001382.
• 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.

Reaching the branch

The Khumtai branch sits at 1 NO. KHUMTAI VILLAGE, P. O. MORANHAT, DIST. SIBSAGAR, CHANDAN COMPLEX , 1ST FLOOR, ASSAM, PIN - 785670. If you are travelling from outside Khumtai, search for the branch on a maps application using the bank name and locality, or call 9706613821 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC BDBL0001382 and your account number.

Verifying IFSC BDBL0001382 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 BDBL0001382 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9706613821.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Khumtai 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 BDBL0001382 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BDBL0001382 belongs to Bandhan Bank Limited's KHUMTAI branch, located at 1 NO. KHUMTAI VILLAGE, P. O. MORANHAT, DIST. SIBSAGAR, CHANDAN COMPLEX , 1ST… in KHUMTAI, ASSAM. 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.