IFSC Code of Bandhan Bank Limited, Naihati Branch, West Bengal

Below are the complete branch details for Bandhan Bank Limited, NAIHATI branch, located in NAIHATI, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is BDBL0001494. 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 BDBL0001494 for Bandhan Bank Limited – NAIHATI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Bandhan Bank Limited – NAIHATI is BDBL0001494. The first four letters BDBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001494 map to this branch in NAIHATI, WEST BENGAL.

Branch details at a glance

About Bandhan Bank Limited

Bandhan Bank Limited operates a wide network of branches across India, including the Naihati branch in Naihati. 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, BDBL0001494.

Naihati branch overview

Located at 79/1/1, SANJIB CHANDRA CHATTERJEE ROAD, P.O. NAIHATI, DIST. NORTH 24 PARAGANAS, WEST BENGAL, PIN 743165, the Naihati branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BDBL0001494 is required for all interbank electronic transfers routed through this branch.

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 NAIHATI of Bandhan Bank Limited — its own 11-character IFSC. The code BDBL0001494 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 BDBL0001494 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC BDBL0001494

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 BDBL0001494 across all three.

How to use IFSC BDBL0001494 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bandhan Bank Limited's NAIHATI 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 BDBL0001494.
4. Confirm the bank name auto-populates as Bandhan Bank Limited and the branch as NAIHATI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC BDBL0001494

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 – NAIHATI, ensure your bank's portal accepts IFSC BDBL0001494 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Bandhan Bank Limited – NAIHATI, use IMPS. With IFSC BDBL0001494 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC BDBL0001494 for Bandhan Bank Limited – NAIHATI, 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 Naihati 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 BDBL0001494

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 – NAIHATI is still mapped to IFSC BDBL0001494. 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 BDBL0001494 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Naihati branch is mapped to IFSC BDBL0001494 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 BDBL0001494.

Products and services

Customers walking into the Naihati 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 BDBL0001494

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 BDBL0001494 and the account number together uniquely identify the Naihati branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC BDBL0001494

Bandhan Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NAIHATI 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 BDBL0001494 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.

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 – NAIHATI:

• The IFSC is exactly BDBL0001494 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 NAIHATI 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 Naihati branch

The branch is located at 79/1/1, SANJIB CHANDRA CHATTERJEE ROAD, P.O. NAIHATI, DIST. NORTH 24 PARAGANAS, WEST BENGAL, PIN 743165, which puts it inside Naihati, the broader North 24 Parganas district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Bandhan Bank Limited Naihati branch” — the verified location pin for IFSC BDBL0001494 should appear at the top of the results.
2. Confirm the branch is open by calling 9073214941 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 BDBL0001494 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BDBL0001494 for Bandhan Bank Limited – NAIHATI, 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 Naihati 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 BDBL0001494 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: BDBL0001494 is the IFSC code of Bandhan Bank Limited, NAIHATI branch, in NAIHATI, 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.