IFSC Code of Bandhan Bank Limited, Esplanade Branch Kolkata Branch, West Bengal

Use this page as a one-stop reference for everything related to Bandhan Bank Limited's ESPLANADE BRANCH KOLKATA branch in KOLKATA CENTRAL, WEST BENGAL. The branch's IFSC code BDBL0002642 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.

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 ESPLANADE BRANCH KOLKATA branch, the IFSC BDBL0002642 breaks down as follows: BDBL identifies the bank, 0 is the reserved character, and 002642 identifies this particular branch.

About the bank

Bandhan Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Esplanade Branch Kolkata branch in Kolkata Central, West Bengal is part of this network and uses the IFSC code BDBL0002642 for all electronic settlement.

Branch details at a glance

About the Esplanade Branch Kolkata branch

The Esplanade Branch Kolkata branch of Bandhan Bank Limited is situated at WACHEL MOLLA MANSION,8,LENIN SARANI,GROUND FLOOR,DIST -KOLKATA,STATE -WEST BENGAL,PIN -700013. 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 BDBL0002642 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 ESPLANADE BRANCH KOLKATA branch came to be assigned the code BDBL0002642.

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 BDBL0002642, money simply cannot be routed to the ESPLANADE BRANCH KOLKATA branch electronically.

Account types you can open at the Esplanade Branch Kolkata branch

Once you have an account at Bandhan Bank Limited – ESPLANADE BRANCH KOLKATA, the IFSC BDBL0002642 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.

Banking services available

The Esplanade Branch Kolkata branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-66090909.

• 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 BDBL0002642

How to transfer money using IFSC BDBL0002642

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 BDBL0002642 across all three.

How to use IFSC BDBL0002642 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bandhan Bank Limited's ESPLANADE BRANCH KOLKATA 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC BDBL0002642.
4. Confirm the bank name auto-populates as Bandhan Bank Limited and the branch as ESPLANADE BRANCH KOLKATA.
5. 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 ESPLANADE BRANCH KOLKATA

If you need to transfer ₹2 lakh or more in one go to an account at Bandhan Bank Limited's ESPLANADE BRANCH KOLKATA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BDBL0002642 while initiating the transfer and the credit will appear within minutes.

IMPS to Bandhan Bank Limited ESPLANADE BRANCH KOLKATA (IFSC BDBL0002642)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BDBL0002642 in your mobile or internet banking app, and the money is credited to the ESPLANADE BRANCH KOLKATA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Esplanade Branch Kolkata

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC BDBL0002642:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at ESPLANADE BRANCH KOLKATA is still linked to IFSC BDBL0002642.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC BDBL0002642

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 – ESPLANADE BRANCH KOLKATA is still mapped to IFSC BDBL0002642. 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 BDBL0002642 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 Esplanade Branch Kolkata 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 BDBL0002642 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 BDBL0002642 and the account number together uniquely identify the Esplanade Branch Kolkata 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 BDBL0002642

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 – ESPLANADE BRANCH KOLKATA, 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: BDBL0002642.
• 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 Esplanade Branch Kolkata branch

The branch is located at WACHEL MOLLA MANSION,8,LENIN SARANI,GROUND FLOOR,DIST -KOLKATA,STATE -WEST BENGAL,PIN -700013, which puts it inside Kolkata Central, the broader Kolkata district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Bandhan Bank Limited Esplanade Branch Kolkata branch” — the verified location pin for IFSC BDBL0002642 should appear at the top of the results.
2. Confirm the branch is open by calling 33-66090909 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 BDBL0002642 and your account number.

Verifying IFSC BDBL0002642 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 BDBL0002642 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 33-66090909.
• 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 Esplanade Branch Kolkata branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BDBL0002642, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BDBL0002642 belongs to Bandhan Bank Limited's ESPLANADE BRANCH KOLKATA branch, located at WACHEL MOLLA MANSION,8,LENIN SARANI,GROUND FLOOR,DIST -KOLKATA,STATE -WEST… in KOLKATA CENTRAL, 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.