IFSC Code of DBS Bank India Limited, Dharwad Branch, Karnataka

Use this page as a one-stop reference for everything related to DBS Bank India Limited's DHARWAD branch in DHARWAD, KARNATAKA. The branch's IFSC code DBSS0IN0233 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, DBSS0IN0233 is the IFSC of DBS Bank India Limited's DHARWAD branch. The format is fixed: DBSS = bank code, 0 = reserved, IN0233 = branch identifier.

About the bank

DBS Bank India Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Dharwad branch in Dharwad, Karnataka is part of this network and uses the IFSC code DBSS0IN0233 for all electronic settlement.

About this branch

The branch is located at KOPPADKERI D.NO.3/94,MF,MARATHA COLONY ROAD DHARWADDHARWAD580008KA. It serves the Dharwad region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of DBS Bank India Limited. The IFSC DBSS0IN0233 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 DBS Bank India Limited's DHARWAD branch came to be assigned the code DBSS0IN0233.

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 DBSS0IN0233, money simply cannot be routed to the DHARWAD branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by DBS Bank India Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC DBSS0IN0233 and the account number together uniquely identify the Dharwad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC DBSS0IN0233

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 DBSS0IN0233 across all three.

How to use IFSC DBSS0IN0233 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to DBS Bank India Limited's DHARWAD 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 DBSS0IN0233.
4. Confirm the bank name auto-populates as DBS Bank India Limited and the branch as DHARWAD.
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 DHARWAD

If you need to transfer ₹2 lakh or more in one go to an account at DBS Bank India Limited's DHARWAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DBSS0IN0233 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to DBS Bank India Limited – DHARWAD, use IMPS. With IFSC DBSS0IN0233 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Dharwad

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 DBSS0IN0233:

• 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 DHARWAD is still linked to IFSC DBSS0IN0233.

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 DBSS0IN0233

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 DBS Bank India Limited – DHARWAD is still mapped to IFSC DBSS0IN0233. 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 DBSS0IN0233 and the beneficiary's account number to complete the transfer.

Account types you can open at the Dharwad branch

Once you have an account at DBS Bank India Limited – DHARWAD, the IFSC DBSS0IN0233 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.

Products and services

Customers walking into the Dharwad branch can access most of DBS Bank India 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 DBSS0IN0233

Digital banking channels

Most day-to-day work that customers used to do at the Dharwad 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 DBSS0IN0233 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.

Reaching the branch

The Dharwad branch sits at KOPPADKERI D.NO.3/94,MF,MARATHA COLONY ROAD DHARWADDHARWAD580008KA. If you are travelling from outside Dharwad, search for the branch on a maps application using the bank name and locality, or call 836-2444455 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 DBSS0IN0233 and your account number.

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 DBS Bank India Limited – DHARWAD:

• The IFSC is exactly DBSS0IN0233 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills DBS Bank India Limited as the bank name and DHARWAD 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.

Working hours

Branch counters at Dharwad 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 DBSS0IN0233 continue to work without interruption.

Verifying IFSC DBSS0IN0233 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 DBSS0IN0233 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 836-2444455.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: DBSS0IN0233 is the IFSC code of DBS Bank India Limited, DHARWAD branch, in DHARWAD, KARNATAKA. 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.