Below are the complete branch details for DBS Bank India Limited, LAM branch, located in GUNTUR, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is DBSS0IN0409. 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 DBSS0IN0409 for DBS Bank India Limited – LAM — 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 LAM branch, the IFSC DBSS0IN0409 breaks down as follows: DBSS identifies the bank, 0 is the reserved character, and IN0409 identifies this particular branch.
Branch details at a glance
| Bank Name | DBS Bank India Limited |
|---|---|
| Branch | Lam |
| IFSC Code | DBSS0IN0409 |
| MICR Code | Refer to cheque leaf |
| Branch Address | LAM,TADIKONDA MANDALAM H.NO.3-56/B1,LAMLAM522034AP |
| City | Guntur |
| District | Guntur |
| State | Andhra Pradesh |
| Phone | 8632524566 |
About DBS Bank India Limited
DBS Bank India Limited operates a wide network of branches across India, including the Lam branch in Guntur. 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, DBSS0IN0409.
About this branch
The branch is located at LAM,TADIKONDA MANDALAM H.NO.3-56/B1,LAMLAM522034AP. It serves the Guntur 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 DBSS0IN0409 is used to identify this branch on the RBI payments network.
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 LAM of DBS Bank India Limited — its own 11-character IFSC. The code DBSS0IN0409 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 DBSS0IN0409 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 DBSS0IN0409
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 DBSS0IN0409 across all three.
NEFT to DBS Bank India Limited, LAM using IFSC DBSS0IN0409
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 DBSS0IN0409, and confirm that the system picks up DBS Bank India Limited – LAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to LAM
If you need to transfer ₹2 lakh or more in one go to an account at DBS Bank India Limited's LAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DBSS0IN0409 while initiating the transfer and the credit will appear within minutes.
IMPS to DBS Bank India Limited LAM (IFSC DBSS0IN0409)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DBSS0IN0409 in your mobile or internet banking app, and the money is credited to the LAM branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Lam
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 DBSS0IN0409:
- 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 LAM is still linked to IFSC DBSS0IN0409.
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 DBSS0IN0409
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 – LAM is still mapped to IFSC DBSS0IN0409. 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 DBSS0IN0409 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Lam branch is mapped to IFSC DBSS0IN0409 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 DBSS0IN0409.
Banking services available
The Lam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8632524566.
- 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 DBSS0IN0409
MICR & cheque-truncation details
Cheques drawn on the Lam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC DBSS0IN0409 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Lam 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 DBSS0IN0409 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.
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 – LAM:
- The IFSC is exactly DBSS0IN0409 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 LAM 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.
How to reach the Lam branch
The branch is located at LAM,TADIKONDA MANDALAM H.NO.3-56/B1,LAMLAM522034AP, which puts it inside Guntur, the broader Guntur district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “DBS Bank India Limited Lam branch” — the verified location pin for IFSC DBSS0IN0409 should appear at the top of the results.
- Confirm the branch is open by calling 8632524566 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 DBSS0IN0409 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC DBSS0IN0409 for DBS Bank India Limited – LAM, 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 Lam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DBSS0IN0409, however, work 24x7.
Branch address & contact
DBS Bank India LimitedLam Branch
LAM,TADIKONDA MANDALAM H.NO.3-56/B1,LAMLAM522034AP
Guntur, Andhra Pradesh
Phone: 8632524566
IFSC: DBSS0IN0409
Frequently asked questions
What is the IFSC code of DBS Bank India Limited Lam branch?
The IFSC code of DBS Bank India Limited, Lam branch is DBSS0IN0409. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of DBS Bank India Limited Lam branch?
You can reach the branch at 8632524566 during regular banking hours.
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 Lam branch but serve different purposes.
Is IFSC DBSS0IN0409 valid for NEFT and RTGS?
Yes. IFSC DBSS0IN0409 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using DBSS0IN0409 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to DBS Bank India Limited – Lam reflect within 30 minutes.
Does DBS Bank India Limited Lam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8632524566 to confirm.
How do I add DBS Bank India Limited Lam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC DBSS0IN0409, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC DBSS0IN0409 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC DBSS0IN0409 to send funds instantly.
Summary
The IFSC code DBSS0IN0409 belongs to DBS Bank India Limited's LAM branch, located at LAM,TADIKONDA MANDALAM H.NO.3-56/B1,LAMLAM522034AP in GUNTUR, 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.
