IFSC Code of DBS Bank India Limited, Sivakodu Branch, Andhra Pradesh

Below are the complete branch details for DBS Bank India Limited, SIVAKODU branch, located in GODAVARI, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is DBSS0IN0694. 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 DBSS0IN0694 for DBS Bank India Limited – SIVAKODU — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 SIVAKODU branch, the IFSC DBSS0IN0694 breaks down as follows: DBSS identifies the bank, 0 is the reserved character, and IN0694 identifies this particular branch.

Branch details at a glance

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 Sivakodu branch in Godavari, Andhra Pradesh is part of this network and uses the IFSC code DBSS0IN0694 for all electronic settlement.

About the Sivakodu branch

The Sivakodu branch of DBS Bank India Limited is situated at OPP ZP HIGH SCOOL D.NO.2-92,MAIN ROAD SIVAKODUSIVAKODU533244AP. 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 DBSS0IN0694 is used.

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 SIVAKODU branch came to be assigned the code DBSS0IN0694.

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 DBSS0IN0694, money simply cannot be routed to the SIVAKODU branch electronically.

How to transfer money using IFSC DBSS0IN0694

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 DBSS0IN0694 across all three.

NEFT to DBS Bank India Limited, SIVAKODU using IFSC DBSS0IN0694

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 DBSS0IN0694, and confirm that the system picks up DBS Bank India Limited – SIVAKODU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SIVAKODU

If you need to transfer ₹2 lakh or more in one go to an account at DBS Bank India Limited's SIVAKODU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DBSS0IN0694 while initiating the transfer and the credit will appear within minutes.

IMPS to DBS Bank India Limited SIVAKODU (IFSC DBSS0IN0694)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DBSS0IN0694 in your mobile or internet banking app, and the money is credited to the SIVAKODU branch account within seconds.

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

All three modes accept the IFSC DBSS0IN0694 for DBS Bank India Limited – SIVAKODU, 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 Sivakodu 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.

UPI payments and IFSC DBSS0IN0694

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 – SIVAKODU is still mapped to IFSC DBSS0IN0694. 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 DBSS0IN0694 and the beneficiary's account number to complete the transfer.

Account types you can open at the Sivakodu branch

Once you have an account at DBS Bank India Limited – SIVAKODU, the IFSC DBSS0IN0694 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 Sivakodu 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 DBSS0IN0694

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 DBSS0IN0694 and the account number together uniquely identify the Sivakodu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC DBSS0IN0694

DBS Bank India Limited customers can register for net banking and the bank's official mobile app once their account at the SIVAKODU 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 DBSS0IN0694 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.

Common mistakes to avoid when using IFSC DBSS0IN0694

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 – SIVAKODU, 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: DBSS0IN0694.
• 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 Sivakodu branch

The branch is located at OPP ZP HIGH SCOOL D.NO.2-92,MAIN ROAD SIVAKODUSIVAKODU533244AP, which puts it inside Godavari, the broader East Godavari district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “DBS Bank India Limited Sivakodu branch” — the verified location pin for IFSC DBSS0IN0694 should appear at the top of the results.
2. Confirm the branch is open by calling 8862222267 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 DBSS0IN0694 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC DBSS0IN0694 for DBS Bank India Limited – SIVAKODU, 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.

Working hours

Branch counters at Sivakodu 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 DBSS0IN0694 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code DBSS0IN0694 belongs to DBS Bank India Limited's SIVAKODU branch, located at OPP ZP HIGH SCOOL D.NO.2-92,MAIN ROAD SIVAKODUSIVAKODU533244AP 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.