IFSC Code of Bandhan Bank Limited, Phase Branch, S.a.S Nagar Branch, Punjab

Use this page as a one-stop reference for everything related to Bandhan Bank Limited's PHASE BRANCH, S.A.S NAGAR branch in SAHIBZADA AJIT SINGH NAGAR, PUNJAB. The branch's IFSC code BDBL0002778 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.

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, BDBL0002778 is the IFSC of Bandhan Bank Limited's PHASE BRANCH, S.A.S NAGAR branch. The format is fixed: BDBL = bank code, 0 = reserved, 002778 = branch identifier.

Branch details at a glance

Bank profile

Bandhan Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Phase Branch, S.a.S Nagar branch — IFSC BDBL0002778 — extends the bank's services to customers in and around Sahibzada Ajit Singh Nagar, Punjab.

About the Phase Branch, S.a.S Nagar branch

The Phase Branch, S.a.S Nagar branch of Bandhan Bank Limited is situated at UPPER GROUND FLOOR-FIRTS FLOOR, SCF-54, PHASE 11, MOHALI, DIST-S.A.S NAGAR, STATE-PUNJAB, PIN-160065. 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 BDBL0002778 is used.

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 PHASE BRANCH, S.A.S NAGAR of Bandhan Bank Limited — its own 11-character IFSC. The code BDBL0002778 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 BDBL0002778 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 BDBL0002778

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 BDBL0002778 across all three.

How to use IFSC BDBL0002778 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bandhan Bank Limited's PHASE BRANCH, S.A.S NAGAR 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 BDBL0002778.
4. Confirm the bank name auto-populates as Bandhan Bank Limited and the branch as PHASE BRANCH, S.A.S NAGAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to PHASE BRANCH, S.A.S NAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Bandhan Bank Limited's PHASE BRANCH, S.A.S NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BDBL0002778 while initiating the transfer and the credit will appear within minutes.

IMPS to Bandhan Bank Limited PHASE BRANCH, S.A.S NAGAR (IFSC BDBL0002778)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BDBL0002778 in your mobile or internet banking app, and the money is credited to the PHASE BRANCH, S.A.S NAGAR branch account within seconds.

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

All three modes accept the IFSC BDBL0002778 for Bandhan Bank Limited – PHASE BRANCH, S.A.S NAGAR, 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 Phase Branch, S.a.S Nagar 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 BDBL0002778

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 – PHASE BRANCH, S.A.S NAGAR is still mapped to IFSC BDBL0002778. 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 BDBL0002778 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Phase Branch, S.a.S Nagar branch is mapped to IFSC BDBL0002778 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 BDBL0002778.

Banking services available

The Phase Branch, S.a.S Nagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 172-40456456.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC BDBL0002778

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 BDBL0002778 and the account number together uniquely identify the Phase Branch, S.a.S Nagar 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 Phase Branch, S.a.S Nagar 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 BDBL0002778 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 BDBL0002778

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 – PHASE BRANCH, S.A.S NAGAR, 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: BDBL0002778.
• 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 Phase Branch, S.a.S Nagar branch

The branch is located at UPPER GROUND FLOOR-FIRTS FLOOR, SCF-54, PHASE 11, MOHALI, DIST-S.A.S NAGAR, STATE-PUNJAB, PIN-160065, which puts it inside Sahibzada Ajit Singh Nagar, the broader Sahibzada Ajit Singh Nagar district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Bandhan Bank Limited Phase Branch, S.a.S Nagar branch” — the verified location pin for IFSC BDBL0002778 should appear at the top of the results.
2. Confirm the branch is open by calling 172-40456456 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 BDBL0002778 and your account number.

Verifying IFSC BDBL0002778 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 BDBL0002778 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 172-40456456.
• 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 Phase Branch, S.a.S Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BDBL0002778, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BDBL0002778 belongs to Bandhan Bank Limited's PHASE BRANCH, S.A.S NAGAR branch, located at UPPER GROUND FLOOR-FIRTS FLOOR, SCF-54, PHASE 11, MOHALI, DIST-S.A.S NAGAR,… in SAHIBZADA AJIT SINGH NAGAR, PUNJAB. 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.