IFSC Code of Bandhan Bank Limited, Sadiya Chapakhowa Branch, Assam

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bandhan Bank Limited, SADIYA CHAPAKHOWA branch in SADIYA CHAPAKHOWA. The 11-digit IFSC BDBL0002049 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Bandhan Bank Limited at the SADIYA CHAPAKHOWA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 SADIYA CHAPAKHOWA branch, the IFSC BDBL0002049 breaks down as follows: BDBL identifies the bank, 0 is the reserved character, and 002049 identifies this particular branch.

Branch details at a glance

About the bank

Bandhan Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Sadiya Chapakhowa branch in Sadiya Chapakhowa, Assam is part of this network and uses the IFSC code BDBL0002049 for all electronic settlement.

Sadiya Chapakhowa branch overview

Located at CHAPAKHOWA, DAILY BAZAR, PO CHAPAKHOWA, PS SADIYA, DIST TINSUKIA, ASSAM-786157, the Sadiya Chapakhowa branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BDBL0002049 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 SADIYA CHAPAKHOWA of Bandhan Bank Limited — its own 11-character IFSC. The code BDBL0002049 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 BDBL0002049 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 BDBL0002049

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 BDBL0002049 across all three.

NEFT to Bandhan Bank Limited, SADIYA CHAPAKHOWA using IFSC BDBL0002049

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 BDBL0002049, and confirm that the system picks up Bandhan Bank Limited – SADIYA CHAPAKHOWA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SADIYA CHAPAKHOWA

If you need to transfer ₹2 lakh or more in one go to an account at Bandhan Bank Limited's SADIYA CHAPAKHOWA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BDBL0002049 while initiating the transfer and the credit will appear within minutes.

IMPS to Bandhan Bank Limited SADIYA CHAPAKHOWA (IFSC BDBL0002049)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BDBL0002049 in your mobile or internet banking app, and the money is credited to the SADIYA CHAPAKHOWA branch account within seconds.

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

All three modes accept the IFSC BDBL0002049 for Bandhan Bank Limited – SADIYA CHAPAKHOWA, 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 Sadiya Chapakhowa 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 BDBL0002049

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 – SADIYA CHAPAKHOWA is still mapped to IFSC BDBL0002049. 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 BDBL0002049 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Sadiya Chapakhowa branch is mapped to IFSC BDBL0002049 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 BDBL0002049.

Products and services

Customers walking into the Sadiya Chapakhowa 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 BDBL0002049

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 BDBL0002049 and the account number together uniquely identify the Sadiya Chapakhowa branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC BDBL0002049

Bandhan Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SADIYA CHAPAKHOWA 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 BDBL0002049 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.

Common mistakes to avoid when using IFSC BDBL0002049

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 – SADIYA CHAPAKHOWA, 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: BDBL0002049.
• 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 Sadiya Chapakhowa branch

The branch is located at CHAPAKHOWA, DAILY BAZAR, PO CHAPAKHOWA, PS SADIYA, DIST TINSUKIA, ASSAM-786157, which puts it inside Sadiya Chapakhowa, the broader Tinsukia district, and the state of Assam. To plan your visit:

1. Open Google Maps on your phone and search for “Bandhan Bank Limited Sadiya Chapakhowa branch” — the verified location pin for IFSC BDBL0002049 should appear at the top of the results.
2. Confirm the branch is open by calling 9903820491 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 BDBL0002049 and your account number.

Verifying IFSC BDBL0002049 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 BDBL0002049 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9903820491.
• Visiting the bank's official branch locator page.

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 Sadiya Chapakhowa branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BDBL0002049, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BDBL0002049 belongs to Bandhan Bank Limited's SADIYA CHAPAKHOWA branch, located at CHAPAKHOWA, DAILY BAZAR, PO CHAPAKHOWA, PS SADIYA, DIST TINSUKIA,… in SADIYA CHAPAKHOWA, ASSAM. 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.