DCB Bank IFSC Code

DCB bank is a private sector commercial bank in India having a wide network of over 310 branches and over 515 ATMs across the 19 Indian states and 3 Union Territories. The bank offers certain financial products and services focusing to individuals and small/medium business class, and mid corporate. It also aims at encouraging rural banking services.

What is DCB Bank IFSC code?

As the digital transaction methods are getting popular, the Reserve Bank of India (RBI) has issued a unique IFSC code to every bank branch to eliminate the risk of fraudulent during the transaction. IFSC code also helps the RBI to identify the participating bank branches.

DCB IFSC code is an 11 digit alphanumeric Indian Financial System Code, where the first four characters signify the bank, the fifth remains zero, and the last 6 digits identify the bank branch. IFSC code plays a significant role in digital fund transfer methods like IMPS, NEFT, and RTGS.

DCB bank aims at providing hassle-free and highly secured online banking experience to its customers, for that reason, the bank has approved NEFT and RTGS services. Individuals are required to provide recipient bank’s IFSC code to conduct the transaction successfully.


Well, today most individuals are free to choose one or the other fund transfer method according to their comfort and convenience. Generally, there are three basic online fund transfer methods offered by the banking institutions, namely, IMPS (Immediate Payment System), NEFT (National Electronic Fund Transfer), and RTGS (Real Time Gross Settlement). Individuals can opt either of the options based on the transaction value, speed of transfer, and service availability. Though, each method has their specific features and benefits.

IMPS (Immediate Payment Service):

1. Minimum transaction value : No lower limit
2. Maximum transaction value : Upper limit of Rs.2 lakhs
3. Type of settlement : one on one settlement
4. Service availability : 24*7
5. Transaction fee : Rs.2.5 for up to Rs.10000; Rs.5 from Rs.10000 to Rs.1 lakh; Rs.15 for up to Rs.2 lakhs

NEFT (National Electronic Fund Transfer):

1. Minimum transaction value : No lower limit
2. Maximum transaction value : No upper limit
3. Type of settlement : batches
4. Service availability : 12 batches on weekdays and 6 batches on weekends

What is DCB Bank MICR code?

MICR stands for Magnetic Ink Character Recognition technology. DCB MICR code stands on par with IFSC code. MICR code imbibes the cutting-edge character recognition technology used by the financial institutions to authenticate the cheque clearance process. Individuals can find the MICR code mentioned at the bottom of every cheque leaf and passbook as well. The key advantage of MICR code system is somewhat similar to the concept of barcodes.

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