Use this page as a one-stop reference for everything related to DBS Bank India Limited's KARAIKUDI branch in KARAIKUDI, TAMIL NADU. The branch's IFSC code DBSS0IN0368 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.
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 – KARAIKUDI is DBSS0IN0368. The first four letters DBSS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters IN0368 map to this branch in KARAIKUDI, TAMIL NADU.
About DBS Bank India Limited
DBS Bank India Limited operates a wide network of branches across India, including the Karaikudi branch in Karaikudi. 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, DBSS0IN0368.
About this branch
The branch is located at T.T.NAGAR,OPP.TO PILLAYAR KOIL NO.15/1-2,CHURCH FIRST STREETKARAIKKUDI ( M)630001TN. It serves the Karaikudi 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 DBSS0IN0368 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | DBS Bank India Limited |
|---|---|
| Branch | Karaikudi |
| IFSC Code | DBSS0IN0368 |
| MICR Code | Refer to cheque leaf |
| Branch Address | T.T.NAGAR,OPP.TO PILLAYAR KOIL NO.15/1-2,CHURCH FIRST STREETKARAIKKUDI ( M)630001TN |
| City | Karaikudi |
| District | Sivaganga |
| State | Tamil Nadu |
| STD Code | 4565 |
| Phone | 237489 |
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 KARAIKUDI of DBS Bank India Limited — its own 11-character IFSC. The code DBSS0IN0368 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 DBSS0IN0368 the same way you would treat your account number — verify it once and save it carefully for future use.
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 DBSS0IN0368 and the account number together uniquely identify the Karaikudi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC DBSS0IN0368
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 DBSS0IN0368 across all three.
How to use IFSC DBSS0IN0368 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to DBS Bank India Limited's KARAIKUDI 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 DBSS0IN0368.
- Confirm the bank name auto-populates as DBS Bank India Limited and the branch as KARAIKUDI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC DBSS0IN0368
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 – KARAIKUDI, ensure your bank's portal accepts IFSC DBSS0IN0368 while registering the beneficiary. RTGS is also available 24x7.
IMPS to DBS Bank India Limited KARAIKUDI (IFSC DBSS0IN0368)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DBSS0IN0368 in your mobile or internet banking app, and the money is credited to the KARAIKUDI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC DBSS0IN0368 for DBS Bank India Limited – KARAIKUDI, 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 – DBSS0IN0368 | Yes – DBSS0IN0368 | Yes – DBSS0IN0368 |
For most retail customers crediting the Karaikudi 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 DBSS0IN0368
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 – KARAIKUDI is still mapped to IFSC DBSS0IN0368. 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 DBSS0IN0368 and the beneficiary's account number to complete the transfer.
Account types you can open at the Karaikudi branch
Once you have an account at DBS Bank India Limited – KARAIKUDI, the IFSC DBSS0IN0368 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 Karaikudi 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 DBSS0IN0368
Digital banking channels
Most day-to-day work that customers used to do at the Karaikudi 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 DBSS0IN0368 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.
Reaching the branch
The Karaikudi branch sits at T.T.NAGAR,OPP.TO PILLAYAR KOIL NO.15/1-2,CHURCH FIRST STREETKARAIKKUDI ( M)630001TN. If you are travelling from outside Karaikudi, search for the branch on a maps application using the bank name and locality, or call 4565-237489 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 DBSS0IN0368 and your account number.
Common mistakes to avoid when using IFSC DBSS0IN0368
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 – KARAIKUDI, 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:
DBSS0IN0368. - 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 Karaikudi 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 DBSS0IN0368 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC DBSS0IN0368 for DBS Bank India Limited – KARAIKUDI, 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
DBS Bank India LimitedKaraikudi Branch
T.T.NAGAR,OPP.TO PILLAYAR KOIL NO.15/1-2,CHURCH FIRST STREETKARAIKKUDI ( M)630001TN
Karaikudi, Tamil Nadu
Phone: 4565-237489
IFSC: DBSS0IN0368
Frequently asked questions
How do I add DBS Bank India Limited Karaikudi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC DBSS0IN0368, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC DBSS0IN0368 the same for all accounts at Karaikudi branch?
Yes. The IFSC DBSS0IN0368 is shared by every account held at DBS Bank India Limited's Karaikudi branch. Only the account number changes from customer to customer.
Is IFSC DBSS0IN0368 valid for NEFT and RTGS?
Yes. IFSC DBSS0IN0368 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of DBS Bank India Limited Karaikudi branch?
You can reach the branch at 4565-237489 during regular banking hours.
How quickly will an NEFT transfer using DBSS0IN0368 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to DBS Bank India Limited – Karaikudi reflect within 30 minutes.
Can I use IFSC DBSS0IN0368 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC DBSS0IN0368 to send funds instantly.
Final notes
To recap: DBSS0IN0368 is the IFSC code of DBS Bank India Limited, KARAIKUDI branch, in KARAIKUDI, TAMIL NADU. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
