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

This page lists the IFSC code, branch address, contact number and fund-transfer information for DBS Bank India Limited, UMALWAD branch in KOLHAPUR. The 11-digit IFSC DBSS0IN0904 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 UMALWAD 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.

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 UMALWAD branch, the IFSC DBSS0IN0904 breaks down as follows: DBSS identifies the bank, 0 is the reserved character, and IN0904 identifies this particular branch.

Bank profile

DBS Bank India Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Umalwad branch — IFSC DBSS0IN0904 — extends the bank's services to customers in and around Kolhapur, Maharashtra.

Branch details at a glance

About this branch

The branch is located at NEAR MAIN ROAD BAZARPET,UMALWAD VILLAGE,TALUKA-HATKANGALE,DISTRICT-KOLHAPUR,PIN-416101. It serves the Kolhapur 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 DBSS0IN0904 is used to identify this branch on the RBI payments network.

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 UMALWAD branch came to be assigned the code DBSS0IN0904.

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 DBSS0IN0904, money simply cannot be routed to the UMALWAD branch electronically.

Account types you can open at the Umalwad branch

Once you have an account at DBS Bank India Limited – UMALWAD, the IFSC DBSS0IN0904 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 Umalwad 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 DBSS0IN0904

How to transfer money using IFSC DBSS0IN0904

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 DBSS0IN0904 across all three.

How to use IFSC DBSS0IN0904 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to DBS Bank India Limited's UMALWAD 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC DBSS0IN0904.
4. Confirm the bank name auto-populates as DBS Bank India Limited and the branch as UMALWAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC DBSS0IN0904

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 – UMALWAD, ensure your bank's portal accepts IFSC DBSS0IN0904 while registering the beneficiary. RTGS is also available 24x7.

IMPS to DBS Bank India Limited UMALWAD (IFSC DBSS0IN0904)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DBSS0IN0904 in your mobile or internet banking app, and the money is credited to the UMALWAD branch account within seconds.

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

All three modes accept the IFSC DBSS0IN0904 for DBS Bank India Limited – UMALWAD, 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 Umalwad 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 DBSS0IN0904

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 – UMALWAD is still mapped to IFSC DBSS0IN0904. 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 DBSS0IN0904 and the beneficiary's account number to complete the transfer.

Online banking and IFSC DBSS0IN0904

DBS Bank India Limited customers can register for net banking and the bank's official mobile app once their account at the UMALWAD 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 DBSS0IN0904 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.

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 DBSS0IN0904 and the account number together uniquely identify the Umalwad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – UMALWAD:

• The IFSC is exactly DBSS0IN0904 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 UMALWAD 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 Umalwad branch

The branch is located at NEAR MAIN ROAD BAZARPET,UMALWAD VILLAGE,TALUKA-HATKANGALE,DISTRICT-KOLHAPUR,PIN-416101, which puts it inside Kolhapur, the broader Kolhapur district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “DBS Bank India Limited Umalwad branch” — the verified location pin for IFSC DBSS0IN0904 should appear at the top of the results.
2. Confirm the branch is open by calling 231-3050100 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 DBSS0IN0904 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC DBSS0IN0904 for DBS Bank India Limited – UMALWAD, 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 Umalwad 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 DBSS0IN0904 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code DBSS0IN0904 belongs to DBS Bank India Limited's UMALWAD branch, located at NEAR MAIN ROAD BAZARPET,UMALWAD… in KOLHAPUR, 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.