Bandhan Bank
RATNAGIRI BRANCH
+913340456456
Understanding IFSC Code: The Digital DNA of Bandhan Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the RATNAGIRI
branch of Bandhan Bank, the code BDBL0002867 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the BDBL0002867 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"BDBL" represents Bandhan Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for RATNAGIRI
Payment Systems Supported by BDBL0002867
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—415750004—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Bandhan Bank in RATNAGIRI typically follows the RBI holiday calendar. Digital transfers via BDBL0002867 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While BDBL0002867 is the valid code for RATNAGIRI at RATNAGIRI, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Bandhan Bank Branch List
- • RATNAGIRI IFSC Codes
- • Swift Code for Bandhan Bank
- • Bank Holiday in MAHARASHTRA
Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
- • FD Interest Rates 2026
- • Currency Converter
Branch Context
- • RATNAGIRI Contact
- • Address of Bandhan Bank
- • MICR Code Finder
- • MAHARASHTRA Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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