IFSC Code of Bandhan Bank Limited, Surat-Udhana Branch, Gujarat

Use this page as a one-stop reference for everything related to Bandhan Bank Limited's SURAT-UDHANA branch in SURAT, GUJARAT. The branch's IFSC code BDBL0002921 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, BDBL0002921 is the IFSC of Bandhan Bank Limited's SURAT-UDHANA branch. The format is fixed: BDBL = bank code, 0 = reserved, 002921 = branch identifier.

About the bank

Bandhan Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Surat-Udhana branch in Surat, Gujarat is part of this network and uses the IFSC code BDBL0002921 for all electronic settlement.

About this branch

The branch is located at HF CENTER 201-205,CITY SHOPPING CENTER, OPP.UDHNA ACADEMY COLLEGE, NEAR SWAMINARAYAN TEMPLE, UDHANA - SACHIN ROAD, UDHANA, SURAT - 394210. It serves the Surat region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Bandhan Bank Limited. The IFSC BDBL0002921 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 SURAT-UDHANA branch came to be assigned the code BDBL0002921.

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 BDBL0002921, money simply cannot be routed to the SURAT-UDHANA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Surat-Udhana branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BDBL0002921 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC BDBL0002921

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 BDBL0002921 across all three.

NEFT to Bandhan Bank Limited, SURAT-UDHANA using IFSC BDBL0002921

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 BDBL0002921, and confirm that the system picks up Bandhan Bank Limited – SURAT-UDHANA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BDBL0002921

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 – SURAT-UDHANA, ensure your bank's portal accepts IFSC BDBL0002921 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bandhan Bank Limited SURAT-UDHANA (IFSC BDBL0002921)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BDBL0002921 in your mobile or internet banking app, and the money is credited to the SURAT-UDHANA branch account within seconds.

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

All three modes accept the IFSC BDBL0002921 for Bandhan Bank Limited – SURAT-UDHANA, 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 Surat-Udhana 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Bandhan Bank Limited's SURAT-UDHANA branch, the IFSC BDBL0002921 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Surat-Udhana branch is mapped to IFSC BDBL0002921 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 BDBL0002921.

Products and services

Customers walking into the Surat-Udhana 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 BDBL0002921

Online banking and IFSC BDBL0002921

Bandhan Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SURAT-UDHANA 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 BDBL0002921 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.

Reaching the branch

The Surat-Udhana branch sits at HF CENTER 201-205,CITY SHOPPING CENTER, OPP.UDHNA ACADEMY COLLEGE, NEAR SWAMINARAYAN TEMPLE, UDHANA - SACHIN ROAD, UDHANA, SURAT - 394210. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 33-40456456 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC BDBL0002921 and your account number.

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 – SURAT-UDHANA:

• The IFSC is exactly BDBL0002921 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 SURAT-UDHANA 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.

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 Surat-Udhana branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BDBL0002921, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BDBL0002921 for Bandhan Bank Limited – SURAT-UDHANA, 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 address & contact

Frequently asked questions

Final notes

To recap: BDBL0002921 is the IFSC code of Bandhan Bank Limited, SURAT-UDHANA branch, in SURAT, GUJARAT. 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.