IFSC Code of DBS Bank India Limited, Calcutta Branch, West Bengal

If you are searching for the IFSC code of DBS Bank India Limited, CALCUTTA branch in KOLKATA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is DBSS0IN0204. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the CALCUTTA branch, and detailed step-by-step guides for using the IFSC DBSS0IN0204 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 – CALCUTTA is DBSS0IN0204. The first four letters DBSS are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters IN0204 map to this branch in KOLKATA, WEST BENGAL.

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 Calcutta branch in Kolkata, West Bengal is part of this network and uses the IFSC code DBSS0IN0204 for all electronic settlement.

About the Calcutta branch

The Calcutta branch of DBS Bank India Limited is situated at RED CROSS PLACE NO.3,KOLKATAKOLKATA700001WB. 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 DBSS0IN0204 is used.

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 CALCUTTA branch came to be assigned the code DBSS0IN0204.

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 DBSS0IN0204, money simply cannot be routed to the CALCUTTA 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 DBSS0IN0204 and the account number together uniquely identify the Calcutta branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC DBSS0IN0204

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 DBSS0IN0204 across all three.

NEFT to DBS Bank India Limited, CALCUTTA using IFSC DBSS0IN0204

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 DBSS0IN0204, and confirm that the system picks up DBS Bank India Limited – CALCUTTA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CALCUTTA

If you need to transfer ₹2 lakh or more in one go to an account at DBS Bank India Limited's CALCUTTA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DBSS0IN0204 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 – CALCUTTA, use IMPS. With IFSC DBSS0IN0204 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC DBSS0IN0204 for DBS Bank India Limited – CALCUTTA, 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 Calcutta 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.

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 CALCUTTA branch, the IFSC DBSS0IN0204 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 Calcutta branch is mapped to IFSC DBSS0IN0204 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 DBSS0IN0204.

Products and services

Customers walking into the Calcutta 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 DBSS0IN0204

Online banking and IFSC DBSS0IN0204

DBS Bank India Limited customers can register for net banking and the bank's official mobile app once their account at the CALCUTTA 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 DBSS0IN0204 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.

How to reach the Calcutta branch

The branch is located at RED CROSS PLACE NO.3,KOLKATAKOLKATA700001WB, which puts it inside Kolkata, the broader Kolkata district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “DBS Bank India Limited Calcutta branch” — the verified location pin for IFSC DBSS0IN0204 should appear at the top of the results.
2. Confirm the branch is open by calling 33-22480287 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 DBSS0IN0204 and your account number.

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 – CALCUTTA:

• The IFSC is exactly DBSS0IN0204 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 CALCUTTA 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.

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 Calcutta branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DBSS0IN0204, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC DBSS0IN0204 for DBS Bank India Limited – CALCUTTA, 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 DBSS0IN0204 belongs to DBS Bank India Limited's CALCUTTA branch, located at RED CROSS PLACE NO.3,KOLKATAKOLKATA700001WB in KOLKATA, WEST BENGAL. 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.