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

Use this page as a one-stop reference for everything related to Bandhan Bank Limited's KUDGHAT BRANCH, KOLKATA branch in KOLKATA, WEST BENGAL. The branch's IFSC code BDBL0002345 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 KUDGHAT BRANCH, KOLKATA branch, the IFSC BDBL0002345 breaks down as follows: BDBL identifies the bank, 0 is the reserved character, and 002345 identifies this particular branch.

About Bandhan Bank Limited

Bandhan Bank Limited operates a wide network of branches across India, including the Kudghat Branch, Kolkata branch in Kolkata. 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, BDBL0002345.

Branch details at a glance

About the Kudghat Branch, Kolkata branch

The Kudghat Branch, Kolkata branch of Bandhan Bank Limited is situated at 15/1,CHANDI GHOSH ROAD , P.S-REGENT PARK ,KOLKATA -700040. 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 BDBL0002345 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 KUDGHAT BRANCH, KOLKATA of Bandhan Bank Limited — its own 11-character IFSC. The code BDBL0002345 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 BDBL0002345 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 Kudghat Branch, Kolkata branch is mapped to IFSC BDBL0002345 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 BDBL0002345.

Banking services available

The Kudghat Branch, Kolkata branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9874423451.

• 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 BDBL0002345

How to transfer money using IFSC BDBL0002345

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 BDBL0002345 across all three.

NEFT to Bandhan Bank Limited, KUDGHAT BRANCH, KOLKATA using IFSC BDBL0002345

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 BDBL0002345, and confirm that the system picks up Bandhan Bank Limited – KUDGHAT BRANCH, KOLKATA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KUDGHAT BRANCH, KOLKATA

If you need to transfer ₹2 lakh or more in one go to an account at Bandhan Bank Limited's KUDGHAT BRANCH, KOLKATA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BDBL0002345 while initiating the transfer and the credit will appear within minutes.

IMPS to Bandhan Bank Limited KUDGHAT BRANCH, KOLKATA (IFSC BDBL0002345)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BDBL0002345 in your mobile or internet banking app, and the money is credited to the KUDGHAT BRANCH, KOLKATA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kudghat 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 BDBL0002345:

• 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 KUDGHAT BRANCH, KOLKATA is still linked to IFSC BDBL0002345.

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.

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 KUDGHAT BRANCH, KOLKATA branch, the IFSC BDBL0002345 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.

Digital banking channels

Most day-to-day work that customers used to do at the Kudghat 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 BDBL0002345 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 BDBL0002345 and the account number together uniquely identify the Kudghat Branch, Kolkata branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Bandhan Bank Limited – KUDGHAT BRANCH, KOLKATA:

• The IFSC is exactly BDBL0002345 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Bandhan Bank Limited as the bank name and KUDGHAT BRANCH, KOLKATA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Kudghat Branch, Kolkata branch

The branch is located at 15/1,CHANDI GHOSH ROAD , P.S-REGENT PARK ,KOLKATA -700040, which puts it inside Kolkata, 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 Kudghat Branch, Kolkata branch” — the verified location pin for IFSC BDBL0002345 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9874423451 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 BDBL0002345 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BDBL0002345 for Bandhan Bank Limited – KUDGHAT BRANCH, KOLKATA, 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.

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 Kudghat Branch, Kolkata branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BDBL0002345, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BDBL0002345 belongs to Bandhan Bank Limited's KUDGHAT BRANCH, KOLKATA branch, located at 15/1,CHANDI GHOSH ROAD , P.S-REGENT PARK ,KOLKATA -700040 in KOLKATA, 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.