IFSC Code of Bandhan Bank Limited, Varachha Branch Surat Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bandhan Bank Limited, VARACHHA BRANCH SURAT branch in SURAT. The 11-digit IFSC BDBL0002635 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 VARACHHA BRANCH SURAT 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 VARACHHA BRANCH SURAT branch, the IFSC BDBL0002635 breaks down as follows: BDBL identifies the bank, 0 is the reserved character, and 002635 identifies this particular branch.

About the bank

Bandhan Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Varachha Branch Surat branch in Surat, Gujarat is part of this network and uses the IFSC code BDBL0002635 for all electronic settlement.

Branch details at a glance

About the Varachha Branch Surat branch

The Varachha Branch Surat branch of Bandhan Bank Limited is situated at GROUND FLOOR,APEX COMMERCIAL CENTER,GEETANJALI,VARACHHA,DIST-SURAT,STATE-GUJRAT,PIN-395006. 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 BDBL0002635 is used.

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 VARACHHA BRANCH SURAT branch came to be assigned the code BDBL0002635.

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 BDBL0002635, money simply cannot be routed to the VARACHHA BRANCH SURAT branch electronically.

Products and account variants supported

Every account opened at the Varachha Branch Surat branch is mapped to IFSC BDBL0002635 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 BDBL0002635.

Banking services available

The Varachha Branch Surat branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-66090909.

• 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 BDBL0002635

How to transfer money using IFSC BDBL0002635

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 BDBL0002635 across all three.

NEFT to Bandhan Bank Limited, VARACHHA BRANCH SURAT using IFSC BDBL0002635

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 BDBL0002635, and confirm that the system picks up Bandhan Bank Limited – VARACHHA BRANCH SURAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VARACHHA BRANCH SURAT

If you need to transfer ₹2 lakh or more in one go to an account at Bandhan Bank Limited's VARACHHA BRANCH SURAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BDBL0002635 while initiating the transfer and the credit will appear within minutes.

IMPS to Bandhan Bank Limited VARACHHA BRANCH SURAT (IFSC BDBL0002635)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BDBL0002635 in your mobile or internet banking app, and the money is credited to the VARACHHA BRANCH SURAT branch account within seconds.

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

All three modes accept the IFSC BDBL0002635 for Bandhan Bank Limited – VARACHHA BRANCH SURAT, 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 Varachha Branch Surat 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 BDBL0002635

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 – VARACHHA BRANCH SURAT is still mapped to IFSC BDBL0002635. 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 BDBL0002635 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Varachha Branch Surat 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 BDBL0002635 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.

MICR & cheque-truncation details

Cheques drawn on the Varachha Branch Surat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BDBL0002635 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – VARACHHA BRANCH SURAT:

• The IFSC is exactly BDBL0002635 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 VARACHHA BRANCH SURAT 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.

Reaching the branch

The Varachha Branch Surat branch sits at GROUND FLOOR,APEX COMMERCIAL CENTER,GEETANJALI,VARACHHA,DIST-SURAT,STATE-GUJRAT,PIN-395006. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 33-66090909 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 BDBL0002635 and your account number.

Verifying IFSC BDBL0002635 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 BDBL0002635 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 33-66090909.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Varachha Branch Surat 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 BDBL0002635 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BDBL0002635 belongs to Bandhan Bank Limited's VARACHHA BRANCH SURAT branch, located at GROUND FLOOR,APEX COMMERCIAL… in SURAT, GUJARAT. 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.