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

If you are searching for the IFSC code of DBS Bank India Limited, GADAG branch in GADAG, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is DBSS0IN0286. 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 GADAG branch, and detailed step-by-step guides for using the IFSC DBSS0IN0286 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 DBS Bank India Limited's GADAG branch, the IFSC DBSS0IN0286 breaks down as follows: DBSS identifies the bank, 0 is the reserved character, and IN0286 identifies this particular branch.

About DBS Bank India Limited

DBS Bank India Limited operates a wide network of branches across India, including the Gadag branch in Gadag. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, DBSS0IN0286.

Gadag branch overview

Located at NEAR SBI PRAGATI,6690 / IB3,A.P.M.C YARD GADAG-BETIGERIGADAG582101KA, the Gadag branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC DBSS0IN0286 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

Why every DBS Bank India 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 GADAG of DBS Bank India Limited — its own 11-character IFSC. The code DBSS0IN0286 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 DBSS0IN0286 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 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 DBSS0IN0286 and the account number together uniquely identify the Gadag branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC DBSS0IN0286

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 DBSS0IN0286 across all three.

How to use IFSC DBSS0IN0286 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to DBS Bank India Limited's GADAG 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 DBSS0IN0286.
4. Confirm the bank name auto-populates as DBS Bank India Limited and the branch as GADAG.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC DBSS0IN0286

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to DBS Bank India Limited – GADAG, ensure your bank's portal accepts IFSC DBSS0IN0286 while registering the beneficiary. RTGS is also available 24x7.

IMPS to DBS Bank India Limited GADAG (IFSC DBSS0IN0286)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DBSS0IN0286 in your mobile or internet banking app, and the money is credited to the GADAG branch account within seconds.

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

All three modes accept the IFSC DBSS0IN0286 for DBS Bank India Limited – GADAG, 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 Gadag 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 DBS Bank India Limited's GADAG branch, the IFSC DBSS0IN0286 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.

Products and account variants supported

Every account opened at the Gadag branch is mapped to IFSC DBSS0IN0286 on the RBI payments network. The branch generally supports the full retail product catalogue of DBS Bank India 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 DBSS0IN0286.

Banking services available

The Gadag branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8372-250122.

• 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 DBSS0IN0286

Online banking and IFSC DBSS0IN0286

DBS Bank India Limited customers can register for net banking and the bank's official mobile app once their account at the GADAG 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 DBSS0IN0286 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.

How to reach the Gadag branch

The branch is located at NEAR SBI PRAGATI,6690 / IB3,A.P.M.C YARD GADAG-BETIGERIGADAG582101KA, which puts it inside Gadag, the broader Gadag district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “DBS Bank India Limited Gadag branch” — the verified location pin for IFSC DBSS0IN0286 should appear at the top of the results.
2. Confirm the branch is open by calling 8372-250122 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 DBSS0IN0286 and your account number.

Common mistakes to avoid when using IFSC DBSS0IN0286

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 DBS Bank India Limited – GADAG, 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: DBSS0IN0286.
• 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 Gadag branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DBSS0IN0286, however, work 24x7.

Verifying IFSC DBSS0IN0286 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 DBSS0IN0286 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8372-250122.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code DBSS0IN0286 belongs to DBS Bank India Limited's GADAG branch, located at NEAR SBI PRAGATI,6690 / IB3,A.P.M.C YARD GADAG-BETIGERIGADAG582101KA in GADAG, KARNATAKA. 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.