Below are the complete branch details for DBS Bank India Limited, GARIA branch, located in GARIA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is DBSS0IN0285. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case DBSS0IN0285 for DBS Bank India Limited – GARIA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for DBS Bank India Limited – GARIA is DBSS0IN0285. The first four letters DBSS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters IN0285 map to this branch in GARIA, WEST BENGAL.
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 Garia branch in Garia, West Bengal is part of this network and uses the IFSC code DBSS0IN0285 for all electronic settlement.
Branch details at a glance
| Bank Name | DBS Bank India Limited |
|---|---|
| Branch | Garia |
| IFSC Code | DBSS0IN0285 |
| MICR Code | Refer to cheque leaf |
| Branch Address | N S C BOSE ROAD NO.255/22,FIRST FLOOR GARIAKOLKATA700047WB |
| City | Garia |
| District | South 24 Parganas |
| State | West Bengal |
| STD Code | 33 |
| Phone | 24710064 |
Garia branch overview
Located at N S C BOSE ROAD NO.255/22,FIRST FLOOR GARIAKOLKATA700047WB, the Garia branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC DBSS0IN0285 is required for all interbank electronic transfers routed through this branch.
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 GARIA branch came to be assigned the code DBSS0IN0285.
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 DBSS0IN0285, money simply cannot be routed to the GARIA branch electronically.
Products and account variants supported
Every account opened at the Garia branch is mapped to IFSC DBSS0IN0285 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 DBSS0IN0285.
Banking services available
The Garia branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-24710064.
- 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 DBSS0IN0285
How to transfer money using IFSC DBSS0IN0285
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 DBSS0IN0285 across all three.
How to use IFSC DBSS0IN0285 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to DBS Bank India Limited's GARIA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC DBSS0IN0285.
- Confirm the bank name auto-populates as DBS Bank India Limited and the branch as GARIA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC DBSS0IN0285
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 – GARIA, ensure your bank's portal accepts IFSC DBSS0IN0285 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to DBS Bank India Limited – GARIA, use IMPS. With IFSC DBSS0IN0285 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC DBSS0IN0285 for DBS Bank India Limited – GARIA, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – DBSS0IN0285 | Yes – DBSS0IN0285 | Yes – DBSS0IN0285 |
For most retail customers crediting the Garia 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 GARIA branch, the IFSC DBSS0IN0285 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.
Online banking and IFSC DBSS0IN0285
DBS Bank India Limited customers can register for net banking and the bank's official mobile app once their account at the GARIA 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 DBSS0IN0285 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.
MICR & cheque-truncation details
Cheques drawn on the Garia branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC DBSS0IN0285 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC DBSS0IN0285
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 – GARIA, 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:
DBSS0IN0285. - 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.
Reaching the branch
The Garia branch sits at N S C BOSE ROAD NO.255/22,FIRST FLOOR GARIAKOLKATA700047WB. If you are travelling from outside Garia, search for the branch on a maps application using the bank name and locality, or call 33-24710064 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 DBSS0IN0285 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC DBSS0IN0285 for DBS Bank India Limited – GARIA, 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 Garia branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DBSS0IN0285, however, work 24x7.
Branch address & contact
DBS Bank India LimitedGaria Branch
N S C BOSE ROAD NO.255/22,FIRST FLOOR GARIAKOLKATA700047WB
Garia, West Bengal
Phone: 33-24710064
IFSC: DBSS0IN0285
Frequently asked questions
Does DBS Bank India Limited Garia branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-24710064 to confirm.
Is IFSC DBSS0IN0285 valid for NEFT and RTGS?
Yes. IFSC DBSS0IN0285 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Garia branch but serve different purposes.
How do I add DBS Bank India Limited Garia as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC DBSS0IN0285, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using DBSS0IN0285 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to DBS Bank India Limited – Garia reflect within 30 minutes.
What is the IFSC code of DBS Bank India Limited Garia branch?
The IFSC code of DBS Bank India Limited, Garia branch is DBSS0IN0285. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC DBSS0IN0285 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC DBSS0IN0285 to send funds instantly.
Is IFSC DBSS0IN0285 the same for all accounts at Garia branch?
Yes. The IFSC DBSS0IN0285 is shared by every account held at DBS Bank India Limited's Garia branch. Only the account number changes from customer to customer.
Summary
The IFSC code DBSS0IN0285 belongs to DBS Bank India Limited's GARIA branch, located at N S C BOSE ROAD NO.255/22,FIRST FLOOR GARIAKOLKATA700047WB in GARIA, WEST BENGAL. 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.
