IFSC Code of Bandhan Bank Limited, Picnic Garden Branch, West Bengal

Below are the complete branch details for Bandhan Bank Limited, PICNIC GARDEN branch, located in KOLKATA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is BDBL0002131. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case BDBL0002131 for Bandhan Bank Limited – PICNIC GARDEN — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 PICNIC GARDEN branch, the IFSC BDBL0002131 breaks down as follows: BDBL identifies the bank, 0 is the reserved character, and 002131 identifies this particular branch.

Bank profile

Bandhan Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Picnic Garden branch — IFSC BDBL0002131 — extends the bank's services to customers in and around Kolkata, West Bengal.

Branch details at a glance

About this branch

The branch is located at FIRST FLOOR,JOY RESIDENCY,15 USTADBADE GOLAM ALI KHAN SARANI (BROADSTREET),WARD NO-65 PS-KAREYA,DIST-KOLKATA,STATE-WEST BENGAL,PIN-700019. It serves the Kolkata 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 BDBL0002131 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 PICNIC GARDEN branch came to be assigned the code BDBL0002131.

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 BDBL0002131, money simply cannot be routed to the PICNIC GARDEN branch electronically.

Products and account variants supported

Every account opened at the Picnic Garden branch is mapped to IFSC BDBL0002131 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 BDBL0002131.

Banking services available

The Picnic Garden branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-9831721311.

• 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 BDBL0002131

How to transfer money using IFSC BDBL0002131

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 BDBL0002131 across all three.

NEFT to Bandhan Bank Limited, PICNIC GARDEN using IFSC BDBL0002131

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 BDBL0002131, and confirm that the system picks up Bandhan Bank Limited – PICNIC GARDEN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BDBL0002131

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 – PICNIC GARDEN, ensure your bank's portal accepts IFSC BDBL0002131 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bandhan Bank Limited PICNIC GARDEN (IFSC BDBL0002131)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BDBL0002131 in your mobile or internet banking app, and the money is credited to the PICNIC GARDEN branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC BDBL0002131 for Bandhan Bank Limited – PICNIC GARDEN, 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 Picnic Garden 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 BDBL0002131

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 – PICNIC GARDEN is still mapped to IFSC BDBL0002131. 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 BDBL0002131 and the beneficiary's account number to complete the transfer.

Online banking and IFSC BDBL0002131

Bandhan Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PICNIC GARDEN 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 BDBL0002131 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 BDBL0002131 and the account number together uniquely identify the Picnic Garden 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 BDBL0002131

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 – PICNIC GARDEN, 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: BDBL0002131.
• 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 Picnic Garden branch sits at FIRST FLOOR,JOY RESIDENCY,15 USTADBADE GOLAM ALI KHAN SARANI (BROADSTREET),WARD NO-65 PS-KAREYA,DIST-KOLKATA,STATE-WEST BENGAL,PIN-700019. If you are travelling from outside Kolkata, search for the branch on a maps application using the bank name and locality, or call 33-9831721311 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 BDBL0002131 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BDBL0002131 for Bandhan Bank Limited – PICNIC GARDEN, 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 Picnic Garden 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 BDBL0002131 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BDBL0002131 belongs to Bandhan Bank Limited's PICNIC GARDEN branch, located at FIRST FLOOR,JOY RESIDENCY,15 USTADBADE GOLAM ALI KHAN SARANI… 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.