IFSC Code of DBS Bank India Limited, Kalyan Branch, Maharashtra

Use this page as a one-stop reference for everything related to DBS Bank India Limited's KALYAN branch in KALYAN, MAHARASHTRA. The branch's IFSC code DBSS0IN0354 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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, DBSS0IN0354 is the IFSC of DBS Bank India Limited's KALYAN branch. The format is fixed: DBSS = bank code, 0 = reserved, IN0354 = branch identifier.

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 Kalyan branch in Kalyan, Maharashtra is part of this network and uses the IFSC code DBSS0IN0354 for all electronic settlement.

Kalyan branch overview

Located at BAZARPETH ROAD,NEAR GANDHI CHOWK,SHOP NO.7& 8,PATEL ESTATE KALYAN ( WEST)KALYAN-DOMBIVLI 421301MH, the Kalyan branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC DBSS0IN0354 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 KALYAN branch came to be assigned the code DBSS0IN0354.

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 DBSS0IN0354, money simply cannot be routed to the KALYAN branch electronically.

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 DBSS0IN0354 and the account number together uniquely identify the Kalyan branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC DBSS0IN0354

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 DBSS0IN0354 across all three.

NEFT to DBS Bank India Limited, KALYAN using IFSC DBSS0IN0354

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 DBSS0IN0354, and confirm that the system picks up DBS Bank India Limited – KALYAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KALYAN

If you need to transfer ₹2 lakh or more in one go to an account at DBS Bank India Limited's KALYAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DBSS0IN0354 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to DBS Bank India Limited – KALYAN, use IMPS. With IFSC DBSS0IN0354 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 Kalyan

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 DBSS0IN0354:

• 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 KALYAN is still linked to IFSC DBSS0IN0354.

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.

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 KALYAN branch, the IFSC DBSS0IN0354 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 Kalyan branch is mapped to IFSC DBSS0IN0354 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 DBSS0IN0354.

Banking services available

The Kalyan branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9372093339.

• 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 DBSS0IN0354

Online banking and IFSC DBSS0IN0354

DBS Bank India Limited customers can register for net banking and the bank's official mobile app once their account at the KALYAN 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 DBSS0IN0354 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.

Reaching the branch

The Kalyan branch sits at BAZARPETH ROAD,NEAR GANDHI CHOWK,SHOP NO.7& 8,PATEL ESTATE KALYAN ( WEST)KALYAN-DOMBIVLI 421301MH. If you are travelling from outside Kalyan, search for the branch on a maps application using the bank name and locality, or call 9372093339 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 DBSS0IN0354 and your account number.

Common mistakes to avoid when using IFSC DBSS0IN0354

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 – KALYAN, 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: DBSS0IN0354.
• 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.

Working hours

Branch counters at Kalyan 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 DBSS0IN0354 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC DBSS0IN0354 for DBS Bank India Limited – KALYAN, 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 address & contact

Frequently asked questions

Summary

The IFSC code DBSS0IN0354 belongs to DBS Bank India Limited's KALYAN branch, located at BAZARPETH ROAD,NEAR GANDHI CHOWK,SHOP NO.7& 8,PATEL ESTATE KALYAN (… in KALYAN, MAHARASHTRA. 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.