IFSC Code of Bandhan Bank Limited, Kumargram Duar Branch, West Bengal

Below are the complete branch details for Bandhan Bank Limited, KUMARGRAM DUAR branch, located in KUMARGRAM DUAR, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is BDBL0002108. 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 BDBL0002108 for Bandhan Bank Limited – KUMARGRAM DUAR — 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 KUMARGRAM DUAR branch, the IFSC BDBL0002108 breaks down as follows: BDBL identifies the bank, 0 is the reserved character, and 002108 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 Kumargram Duar branch in Kumargram Duar, West Bengal is part of this network and uses the IFSC code BDBL0002108 for all electronic settlement.

Branch details at a glance

About the Kumargram Duar branch

The Kumargram Duar branch of Bandhan Bank Limited is situated at VILL,PO-KUMARGRAM DUAR, P.S- KUMARGRAM DUAR, DIST-ALIPURDUAR PIN-736203, WEST BENGAL.. 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 BDBL0002108 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 KUMARGRAM DUAR branch came to be assigned the code BDBL0002108.

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 BDBL0002108, money simply cannot be routed to the KUMARGRAM DUAR branch electronically.

Account types you can open at the Kumargram Duar branch

Once you have an account at Bandhan Bank Limited – KUMARGRAM DUAR, the IFSC BDBL0002108 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.

Products and services

Customers walking into the Kumargram Duar 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 BDBL0002108

How to transfer money using IFSC BDBL0002108

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 BDBL0002108 across all three.

NEFT to Bandhan Bank Limited, KUMARGRAM DUAR using IFSC BDBL0002108

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 BDBL0002108, and confirm that the system picks up Bandhan Bank Limited – KUMARGRAM DUAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KUMARGRAM DUAR

If you need to transfer ₹2 lakh or more in one go to an account at Bandhan Bank Limited's KUMARGRAM DUAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BDBL0002108 while initiating the transfer and the credit will appear within minutes.

IMPS to Bandhan Bank Limited KUMARGRAM DUAR (IFSC BDBL0002108)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BDBL0002108 in your mobile or internet banking app, and the money is credited to the KUMARGRAM DUAR branch account within seconds.

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

All three modes accept the IFSC BDBL0002108 for Bandhan Bank Limited – KUMARGRAM DUAR, 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 Kumargram Duar 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 BDBL0002108

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 – KUMARGRAM DUAR is still mapped to IFSC BDBL0002108. 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 BDBL0002108 and the beneficiary's account number to complete the transfer.

Online banking and IFSC BDBL0002108

Bandhan Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KUMARGRAM DUAR 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 BDBL0002108 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 Kumargram Duar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BDBL0002108 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 BDBL0002108

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 – KUMARGRAM DUAR, 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: BDBL0002108.
• 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 Kumargram Duar branch

The branch is located at VILL,PO-KUMARGRAM DUAR, P.S- KUMARGRAM DUAR, DIST-ALIPURDUAR PIN-736203, WEST BENGAL., which puts it inside Kumargram Duar, the broader Alipurduar district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Bandhan Bank Limited Kumargram Duar branch” — the verified location pin for IFSC BDBL0002108 should appear at the top of the results.
2. Confirm the branch is open by calling 9748221081 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 BDBL0002108 and your account number.

Verifying IFSC BDBL0002108 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 BDBL0002108 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9748221081.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kumargram Duar 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 BDBL0002108 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BDBL0002108 belongs to Bandhan Bank Limited's KUMARGRAM DUAR branch, located at VILL,PO-KUMARGRAM DUAR, P.S- KUMARGRAM DUAR, DIST-ALIPURDUAR PIN-736203, WEST… in KUMARGRAM DUAR, 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.