Use this page as a one-stop reference for everything related to Bandhan Bank Limited's PATRATU BRANCH branch in RANCHI, JHARKHAND. The branch's IFSC code BDBL0002282 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.
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 – PATRATU BRANCH is BDBL0002282. The first four letters BDBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002282 map to this branch in RANCHI, JHARKHAND.
About Bandhan Bank Limited
Bandhan Bank Limited operates a wide network of branches across India, including the Patratu Branch branch in Ranchi. 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, BDBL0002282.
Patratu Branch branch overview
Located at GROUND FLOOR, BESIDE JIO OFFICE NEAR BLOCK MORE , PATRATU ,DIST-RAMGARH, JHARKHAND-829118, the Patratu Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BDBL0002282 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Bandhan Bank Limited |
|---|---|
| Branch | Patratu Branch |
| IFSC Code | BDBL0002282 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, BESIDE JIO OFFICE NEAR BLOCK MORE , PATRATU ,DIST-RAMGARH, JHARKHAND-829118 |
| City | Ranchi |
| District | Ramgarh |
| State | Jharkhand |
| STD Code | 91 |
| Phone | 6293222821 |
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 PATRATU BRANCH of Bandhan Bank Limited — its own 11-character IFSC. The code BDBL0002282 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 BDBL0002282 the same way you would treat your account number — verify it once and save it carefully for future use.
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 BDBL0002282 and the account number together uniquely identify the Patratu Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC BDBL0002282
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 BDBL0002282 across all three.
NEFT to Bandhan Bank Limited, PATRATU BRANCH using IFSC BDBL0002282
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 BDBL0002282, and confirm that the system picks up Bandhan Bank Limited – PATRATU BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BDBL0002282
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 – PATRATU BRANCH, ensure your bank's portal accepts IFSC BDBL0002282 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bandhan Bank Limited – PATRATU BRANCH, use IMPS. With IFSC BDBL0002282 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 BDBL0002282 for Bandhan Bank Limited – PATRATU 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 – BDBL0002282 | Yes – BDBL0002282 | Yes – BDBL0002282 |
For most retail customers crediting the Patratu 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 BDBL0002282
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 – PATRATU BRANCH is still mapped to IFSC BDBL0002282. 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 BDBL0002282 and the beneficiary's account number to complete the transfer.
Account types you can open at the Patratu Branch branch
Once you have an account at Bandhan Bank Limited – PATRATU BRANCH, the IFSC BDBL0002282 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 Patratu 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 BDBL0002282
Digital banking channels
Most day-to-day work that customers used to do at the Patratu 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 BDBL0002282 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.
How to reach the Patratu Branch branch
The branch is located at GROUND FLOOR, BESIDE JIO OFFICE NEAR BLOCK MORE , PATRATU ,DIST-RAMGARH, JHARKHAND-829118, which puts it inside Ranchi, the broader Ramgarh district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “Bandhan Bank Limited Patratu Branch branch” — the verified location pin for IFSC BDBL0002282 should appear at the top of the results.
- Confirm the branch is open by calling 91-6293222821 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 BDBL0002282 and your account number.
Common mistakes to avoid when using IFSC BDBL0002282
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 – PATRATU 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:
BDBL0002282. - 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.
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 Patratu Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BDBL0002282, however, work 24x7.
Verifying IFSC BDBL0002282 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 BDBL0002282 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-6293222821.
- Visiting the bank's official branch locator page.
Branch address & contact
Bandhan Bank LimitedPatratu Branch Branch
GROUND FLOOR, BESIDE JIO OFFICE NEAR BLOCK MORE , PATRATU ,DIST-RAMGARH, JHARKHAND-829118
Ranchi, Jharkhand
Phone: 91-6293222821
IFSC: BDBL0002282
Frequently asked questions
Is IFSC BDBL0002282 valid for NEFT and RTGS?
Yes. IFSC BDBL0002282 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC BDBL0002282 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BDBL0002282 to send funds instantly.
How quickly will an NEFT transfer using BDBL0002282 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bandhan Bank Limited – Patratu Branch reflect within 30 minutes.
What is the IFSC code of Bandhan Bank Limited Patratu Branch branch?
The IFSC code of Bandhan Bank Limited, Patratu Branch branch is BDBL0002282. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Bandhan Bank Limited Patratu Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-6293222821 to confirm.
Is IFSC BDBL0002282 the same for all accounts at Patratu Branch branch?
Yes. The IFSC BDBL0002282 is shared by every account held at Bandhan Bank Limited's Patratu Branch branch. Only the account number changes from customer to customer.
What is the phone number of Bandhan Bank Limited Patratu Branch branch?
You can reach the branch at 91-6293222821 during regular banking hours.
Final notes
To recap: BDBL0002282 is the IFSC code of Bandhan Bank Limited, PATRATU BRANCH branch, in RANCHI, JHARKHAND. 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.
