This page lists the IFSC code, branch address, contact number and fund-transfer information for DBS Bank India Limited, KAPAVARAM branch in GODAVARI. The 11-digit IFSC DBSS0IN0404 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with DBS Bank India Limited at the KAPAVARAM location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, DBSS0IN0404 is the IFSC of DBS Bank India Limited's KAPAVARAM branch. The format is fixed: DBSS = bank code, 0 = reserved, IN0404 = branch identifier.
Branch details at a glance
| Bank Name | DBS Bank India Limited |
|---|---|
| Branch | Kapavaram |
| IFSC Code | DBSS0IN0404 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR PETROL BUNK D.NO.3-142,MAIN ROAD KAPAVARAMKAPAVARAM533289AP |
| City | Godavari |
| District | East Godavari |
| State | Andhra Pradesh |
| Phone | 8832496333 |
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 Kapavaram branch in Godavari, Andhra Pradesh is part of this network and uses the IFSC code DBSS0IN0404 for all electronic settlement.
About the Kapavaram branch
The Kapavaram branch of DBS Bank India Limited is situated at NEAR PETROL BUNK D.NO.3-142,MAIN ROAD KAPAVARAMKAPAVARAM533289AP. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code DBSS0IN0404 is used.
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 KAPAVARAM of DBS Bank India Limited — its own 11-character IFSC. The code DBSS0IN0404 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 DBSS0IN0404 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC DBSS0IN0404
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 DBSS0IN0404 across all three.
NEFT to DBS Bank India Limited, KAPAVARAM using IFSC DBSS0IN0404
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC DBSS0IN0404, and confirm that the system picks up DBS Bank India Limited – KAPAVARAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC DBSS0IN0404
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 – KAPAVARAM, ensure your bank's portal accepts IFSC DBSS0IN0404 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 – KAPAVARAM, use IMPS. With IFSC DBSS0IN0404 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 Kapavaram
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 DBSS0IN0404:
- 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 KAPAVARAM is still linked to IFSC DBSS0IN0404.
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 DBSS0IN0404
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 – KAPAVARAM is still mapped to IFSC DBSS0IN0404. 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 DBSS0IN0404 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kapavaram branch is mapped to IFSC DBSS0IN0404 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 DBSS0IN0404.
Banking services available
The Kapavaram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8832496333.
- 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 DBSS0IN0404
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 DBSS0IN0404 and the account number together uniquely identify the Kapavaram branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Kapavaram 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 DBSS0IN0404 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.
Common mistakes to avoid when using IFSC DBSS0IN0404
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 – KAPAVARAM, 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:
DBSS0IN0404. - 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.
How to reach the Kapavaram branch
The branch is located at NEAR PETROL BUNK D.NO.3-142,MAIN ROAD KAPAVARAMKAPAVARAM533289AP, which puts it inside Godavari, the broader East Godavari district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “DBS Bank India Limited Kapavaram branch” — the verified location pin for IFSC DBSS0IN0404 should appear at the top of the results.
- Confirm the branch is open by calling 8832496333 before stepping out, especially around public holidays.
- 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 DBSS0IN0404 and your account number.
Verifying IFSC DBSS0IN0404 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 DBSS0IN0404 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8832496333.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kapavaram 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 DBSS0IN0404 continue to work without interruption.
Branch address & contact
DBS Bank India LimitedKapavaram Branch
NEAR PETROL BUNK D.NO.3-142,MAIN ROAD KAPAVARAMKAPAVARAM533289AP
Godavari, Andhra Pradesh
Phone: 8832496333
IFSC: DBSS0IN0404
Frequently asked questions
What is the phone number of DBS Bank India Limited Kapavaram branch?
You can reach the branch at 8832496333 during regular banking hours.
What is the IFSC code of DBS Bank India Limited Kapavaram branch?
The IFSC code of DBS Bank India Limited, Kapavaram branch is DBSS0IN0404. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Kapavaram branch but serve different purposes.
Does DBS Bank India Limited Kapavaram branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8832496333 to confirm.
Where is DBS Bank India Limited Kapavaram branch located?
DBS Bank India Limited's Kapavaram branch is located at NEAR PETROL BUNK D.NO.3-142,MAIN ROAD KAPAVARAMKAPAVARAM533289AP, Godavari, Andhra Pradesh.
Is IFSC DBSS0IN0404 valid for NEFT and RTGS?
Yes. IFSC DBSS0IN0404 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC DBSS0IN0404 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC DBSS0IN0404 to send funds instantly.
How do I add DBS Bank India Limited Kapavaram as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC DBSS0IN0404, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code DBSS0IN0404 belongs to DBS Bank India Limited's KAPAVARAM branch, located at NEAR PETROL BUNK D.NO.3-142,MAIN ROAD KAPAVARAMKAPAVARAM533289AP in GODAVARI, ANDHRA PRADESH. 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.
