IFSC Code of Bandhan Bank Limited, Vip Road Vesu Branch Surat Branch, Gujarat

If you are searching for the IFSC code of Bandhan Bank Limited, VIP ROAD VESU BRANCH SURAT branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is BDBL0002492. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the VIP ROAD VESU BRANCH SURAT branch, and detailed step-by-step guides for using the IFSC BDBL0002492 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 VIP ROAD VESU BRANCH SURAT branch, the IFSC BDBL0002492 breaks down as follows: BDBL identifies the bank, 0 is the reserved character, and 002492 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 Vip Road Vesu Branch Surat branch in Surat, Gujarat is part of this network and uses the IFSC code BDBL0002492 for all electronic settlement.

About this branch

The branch is located at G-5,WHITE HOUSE,VIP ROAD,VESU,SURAT,DIST-SURAT,STATE-GUJARAT,PIN-395007. 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 BDBL0002492 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 VIP ROAD VESU BRANCH SURAT of Bandhan Bank Limited — its own 11-character IFSC. The code BDBL0002492 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 BDBL0002492 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 BDBL0002492 and the account number together uniquely identify the Vip Road Vesu Branch Surat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC BDBL0002492

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 BDBL0002492 across all three.

How to use IFSC BDBL0002492 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bandhan Bank Limited's VIP ROAD VESU BRANCH SURAT 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 BDBL0002492.
4. Confirm the bank name auto-populates as Bandhan Bank Limited and the branch as VIP ROAD VESU BRANCH SURAT.
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 VIP ROAD VESU BRANCH SURAT

If you need to transfer ₹2 lakh or more in one go to an account at Bandhan Bank Limited's VIP ROAD VESU BRANCH SURAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BDBL0002492 while initiating the transfer and the credit will appear within minutes.

IMPS to Bandhan Bank Limited VIP ROAD VESU BRANCH SURAT (IFSC BDBL0002492)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BDBL0002492 in your mobile or internet banking app, and the money is credited to the VIP ROAD VESU BRANCH SURAT branch account within seconds.

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

All three modes accept the IFSC BDBL0002492 for Bandhan Bank Limited – VIP ROAD VESU 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 Vip Road Vesu 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.

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 VIP ROAD VESU BRANCH SURAT branch, the IFSC BDBL0002492 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.

Account types you can open at the Vip Road Vesu Branch Surat branch

Once you have an account at Bandhan Bank Limited – VIP ROAD VESU BRANCH SURAT, the IFSC BDBL0002492 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.

Banking services available

The Vip Road Vesu 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 BDBL0002492

Online banking and IFSC BDBL0002492

Bandhan Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VIP ROAD VESU BRANCH SURAT 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 BDBL0002492 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 Vip Road Vesu Branch Surat branch sits at G-5,WHITE HOUSE,VIP ROAD,VESU,SURAT,DIST-SURAT,STATE-GUJARAT,PIN-395007. 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 BDBL0002492 and your account number.

Common mistakes to avoid when using IFSC BDBL0002492

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 – VIP ROAD VESU BRANCH SURAT, 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: BDBL0002492.
• 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 Vip Road Vesu Branch Surat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BDBL0002492, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BDBL0002492 for Bandhan Bank Limited – VIP ROAD VESU BRANCH SURAT, 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

Summary

The IFSC code BDBL0002492 belongs to Bandhan Bank Limited's VIP ROAD VESU BRANCH SURAT branch, located at G-5,WHITE HOUSE,VIP ROAD,VESU,SURAT,DIST-SURAT,STATE-GUJARAT,PIN-395007 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.