IFSC Code of Bandhan Bank Limited, Virar Palghar Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bandhan Bank Limited, VIRAR PALGHAR branch in THANE. The 11-digit IFSC BDBL0002975 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 VIRAR PALGHAR 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 VIRAR PALGHAR branch, the IFSC BDBL0002975 breaks down as follows: BDBL identifies the bank, 0 is the reserved character, and 002975 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 Virar Palghar branch in Thane, Maharashtra is part of this network and uses the IFSC code BDBL0002975 for all electronic settlement.

About this branch

The branch is located at UNIT NO 02,GROUND FLOOR, POONAM KALPAVRUKSHA, BHAJI MARKET ROAD, NEAR UCO BANK, VIRAT NAGAR, VIRAR WEST-401303. It serves the Thane 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 BDBL0002975 is used to identify this branch on the RBI payments network.

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 VIRAR PALGHAR of Bandhan Bank Limited — its own 11-character IFSC. The code BDBL0002975 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 BDBL0002975 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 BDBL0002975

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 BDBL0002975 across all three.

How to use IFSC BDBL0002975 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bandhan Bank Limited's VIRAR PALGHAR 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 BDBL0002975.
4. Confirm the bank name auto-populates as Bandhan Bank Limited and the branch as VIRAR PALGHAR.
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 VIRAR PALGHAR

If you need to transfer ₹2 lakh or more in one go to an account at Bandhan Bank Limited's VIRAR PALGHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BDBL0002975 while initiating the transfer and the credit will appear within minutes.

IMPS to Bandhan Bank Limited VIRAR PALGHAR (IFSC BDBL0002975)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BDBL0002975 in your mobile or internet banking app, and the money is credited to the VIRAR PALGHAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Virar Palghar

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC BDBL0002975:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at VIRAR PALGHAR is still linked to IFSC BDBL0002975.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC BDBL0002975

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 – VIRAR PALGHAR is still mapped to IFSC BDBL0002975. 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 BDBL0002975 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Virar Palghar branch is mapped to IFSC BDBL0002975 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 BDBL0002975.

Products and services

Customers walking into the Virar Palghar 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 BDBL0002975

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 BDBL0002975 and the account number together uniquely identify the Virar Palghar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC BDBL0002975

Bandhan Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VIRAR PALGHAR 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 BDBL0002975 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 BDBL0002975

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 – VIRAR PALGHAR, 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: BDBL0002975.
• 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 Virar Palghar branch

The branch is located at UNIT NO 02,GROUND FLOOR, POONAM KALPAVRUKSHA, BHAJI MARKET ROAD, NEAR UCO BANK, VIRAT NAGAR, VIRAR WEST-401303, which puts it inside Thane, the broader Palghar district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Bandhan Bank Limited Virar Palghar branch” — the verified location pin for IFSC BDBL0002975 should appear at the top of the results.
2. Confirm the branch is open by calling 33-40456456 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 BDBL0002975 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BDBL0002975 for Bandhan Bank Limited – VIRAR PALGHAR, 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 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 Virar Palghar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BDBL0002975, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: BDBL0002975 is the IFSC code of Bandhan Bank Limited, VIRAR PALGHAR branch, in THANE, MAHARASHTRA. 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.