Below are the complete branch details for Bandhan Bank Limited, KSHIRPAI BRANCH branch, located in MIDNAPORE, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is BDBL0002249. 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 BDBL0002249 for Bandhan Bank Limited – KSHIRPAI BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, BDBL0002249 is the IFSC of Bandhan Bank Limited's KSHIRPAI BRANCH branch. The format is fixed: BDBL = bank code, 0 = reserved, 002249 = branch identifier.
Branch details at a glance
| Bank Name | Bandhan Bank Limited |
|---|---|
| Branch | Kshirpai Branch |
| IFSC Code | BDBL0002249 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR PO-KHIRPAI, WARD NO-10, PS-CHANDRAKONA DIST-PASCHIM MIDNAPORE, WEST BENGAL-721232 |
| City | Midnapore |
| District | Paschim Medinipur |
| State | West Bengal |
| STD Code | 91 |
| Phone | 9073922491 |
About the bank
Bandhan Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kshirpai Branch branch in Midnapore, West Bengal is part of this network and uses the IFSC code BDBL0002249 for all electronic settlement.
About the Kshirpai Branch branch
The Kshirpai Branch branch of Bandhan Bank Limited is situated at GROUND FLOOR PO-KHIRPAI, WARD NO-10, PS-CHANDRAKONA DIST-PASCHIM MIDNAPORE, WEST BENGAL-721232. 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 BDBL0002249 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 KSHIRPAI BRANCH branch came to be assigned the code BDBL0002249.
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 BDBL0002249, money simply cannot be routed to the KSHIRPAI BRANCH branch electronically.
How to transfer money using IFSC BDBL0002249
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 BDBL0002249 across all three.
NEFT to Bandhan Bank Limited, KSHIRPAI BRANCH using IFSC BDBL0002249
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 BDBL0002249, and confirm that the system picks up Bandhan Bank Limited – KSHIRPAI BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KSHIRPAI BRANCH
If you need to transfer ₹2 lakh or more in one go to an account at Bandhan Bank Limited's KSHIRPAI BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BDBL0002249 while initiating the transfer and the credit will appear within minutes.
IMPS to Bandhan Bank Limited KSHIRPAI BRANCH (IFSC BDBL0002249)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BDBL0002249 in your mobile or internet banking app, and the money is credited to the KSHIRPAI BRANCH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BDBL0002249 for Bandhan Bank Limited – KSHIRPAI BRANCH, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – BDBL0002249 | Yes – BDBL0002249 | Yes – BDBL0002249 |
For most retail customers crediting the Kshirpai Branch 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 BDBL0002249
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 – KSHIRPAI BRANCH is still mapped to IFSC BDBL0002249. 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 BDBL0002249 and the beneficiary's account number to complete the transfer.
Account types you can open at the Kshirpai Branch branch
Once you have an account at Bandhan Bank Limited – KSHIRPAI BRANCH, the IFSC BDBL0002249 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 Kshirpai Branch 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 BDBL0002249
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 BDBL0002249 and the account number together uniquely identify the Kshirpai Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Kshirpai Branch 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 BDBL0002249 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.
Common mistakes to avoid when using IFSC BDBL0002249
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 – KSHIRPAI BRANCH, 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:
BDBL0002249. - 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 Kshirpai Branch branch
The branch is located at GROUND FLOOR PO-KHIRPAI, WARD NO-10, PS-CHANDRAKONA DIST-PASCHIM MIDNAPORE, WEST BENGAL-721232, which puts it inside Midnapore, the broader Paschim Medinipur district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Bandhan Bank Limited Kshirpai Branch branch” — the verified location pin for IFSC BDBL0002249 should appear at the top of the results.
- Confirm the branch is open by calling 91-9073922491 before stepping out, especially around public holidays.
- 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 BDBL0002249 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BDBL0002249 for Bandhan Bank Limited – KSHIRPAI BRANCH, 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 Kshirpai Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BDBL0002249, however, work 24x7.
Branch address & contact
Bandhan Bank LimitedKshirpai Branch Branch
GROUND FLOOR PO-KHIRPAI, WARD NO-10, PS-CHANDRAKONA DIST-PASCHIM MIDNAPORE, WEST BENGAL-721232
Midnapore, West Bengal
Phone: 91-9073922491
IFSC: BDBL0002249
Frequently asked questions
How quickly will an NEFT transfer using BDBL0002249 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bandhan Bank Limited – Kshirpai Branch reflect within 30 minutes.
Can I use IFSC BDBL0002249 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BDBL0002249 to send funds instantly.
Is IFSC BDBL0002249 the same for all accounts at Kshirpai Branch branch?
Yes. The IFSC BDBL0002249 is shared by every account held at Bandhan Bank Limited's Kshirpai Branch branch. Only the account number changes from customer to customer.
What is the phone number of Bandhan Bank Limited Kshirpai Branch branch?
You can reach the branch at 91-9073922491 during regular banking hours.
Is IFSC BDBL0002249 valid for NEFT and RTGS?
Yes. IFSC BDBL0002249 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Bandhan Bank Limited Kshirpai Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9073922491 to confirm.
How do I add Bandhan Bank Limited Kshirpai Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BDBL0002249, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Bandhan Bank Limited Kshirpai Branch branch?
The IFSC code of Bandhan Bank Limited, Kshirpai Branch branch is BDBL0002249. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: BDBL0002249 is the IFSC code of Bandhan Bank Limited, KSHIRPAI BRANCH branch, in MIDNAPORE, WEST BENGAL. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
