Use this page as a one-stop reference for everything related to DBS Bank India Limited's NAGARCOIL branch in NAGERCOIL, TAMIL NADU. The branch's IFSC code DBSS0IN0487 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, DBSS0IN0487 is the IFSC of DBS Bank India Limited's NAGARCOIL branch. The format is fixed: DBSS = bank code, 0 = reserved, IN0487 = branch identifier.
Bank profile
DBS Bank India Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Nagarcoil branch — IFSC DBSS0IN0487 — extends the bank's services to customers in and around Nagercoil, Tamil Nadu.
Branch details at a glance
| Bank Name | DBS Bank India Limited |
|---|---|
| Branch | Nagarcoil |
| IFSC Code | DBSS0IN0487 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 629001,KANYAKUMARI,TN 36/8-3,I FLOOR,SOUTH CAR STREET,NAGERCOILNAGERCOIL ( M)629001TN |
| City | Nagercoil |
| District | Kanyakumari |
| State | Tamil Nadu |
| STD Code | 4652 |
| Phone | 232048 |
About the Nagarcoil branch
The Nagarcoil branch of DBS Bank India Limited is situated at 629001,KANYAKUMARI,TN 36/8-3,I FLOOR,SOUTH CAR STREET,NAGERCOILNAGERCOIL ( M)629001TN. 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 DBSS0IN0487 is used.
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 NAGARCOIL branch came to be assigned the code DBSS0IN0487.
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 DBSS0IN0487, money simply cannot be routed to the NAGARCOIL branch electronically.
Products and account variants supported
Every account opened at the Nagarcoil branch is mapped to IFSC DBSS0IN0487 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 DBSS0IN0487.
Banking services available
The Nagarcoil branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4652-232048.
- 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 DBSS0IN0487
How to transfer money using IFSC DBSS0IN0487
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 DBSS0IN0487 across all three.
NEFT to DBS Bank India Limited, NAGARCOIL using IFSC DBSS0IN0487
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 DBSS0IN0487, and confirm that the system picks up DBS Bank India Limited – NAGARCOIL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NAGARCOIL
If you need to transfer ₹2 lakh or more in one go to an account at DBS Bank India Limited's NAGARCOIL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DBSS0IN0487 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 – NAGARCOIL, use IMPS. With IFSC DBSS0IN0487 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 DBSS0IN0487 for DBS Bank India Limited – NAGARCOIL, 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 – DBSS0IN0487 | Yes – DBSS0IN0487 | Yes – DBSS0IN0487 |
For most retail customers crediting the Nagarcoil 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 NAGARCOIL branch, the IFSC DBSS0IN0487 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.
Online banking and IFSC DBSS0IN0487
DBS Bank India Limited customers can register for net banking and the bank's official mobile app once their account at the NAGARCOIL 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 DBSS0IN0487 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 & cheque-truncation details
Cheques drawn on the Nagarcoil branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC DBSS0IN0487 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC DBSS0IN0487
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 – NAGARCOIL, 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:
DBSS0IN0487. - 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.
How to reach the Nagarcoil branch
The branch is located at 629001,KANYAKUMARI,TN 36/8-3,I FLOOR,SOUTH CAR STREET,NAGERCOILNAGERCOIL ( M)629001TN, which puts it inside Nagercoil, the broader Kanyakumari district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “DBS Bank India Limited Nagarcoil branch” — the verified location pin for IFSC DBSS0IN0487 should appear at the top of the results.
- Confirm the branch is open by calling 4652-232048 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 DBSS0IN0487 and your account number.
Verifying IFSC DBSS0IN0487 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm DBSS0IN0487 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4652-232048.
- Visiting the bank's official branch locator page.
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 Nagarcoil branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DBSS0IN0487, however, work 24x7.
Branch address & contact
DBS Bank India LimitedNagarcoil Branch
629001,KANYAKUMARI,TN 36/8-3,I FLOOR,SOUTH CAR STREET,NAGERCOILNAGERCOIL ( M)629001TN
Nagercoil, Tamil Nadu
Phone: 4652-232048
IFSC: DBSS0IN0487
Frequently asked questions
Does DBS Bank India Limited Nagarcoil branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4652-232048 to confirm.
What is the phone number of DBS Bank India Limited Nagarcoil branch?
You can reach the branch at 4652-232048 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 Nagarcoil branch but serve different purposes.
Is IFSC DBSS0IN0487 the same for all accounts at Nagarcoil branch?
Yes. The IFSC DBSS0IN0487 is shared by every account held at DBS Bank India Limited's Nagarcoil branch. Only the account number changes from customer to customer.
Is IFSC DBSS0IN0487 valid for NEFT and RTGS?
Yes. IFSC DBSS0IN0487 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add DBS Bank India Limited Nagarcoil as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC DBSS0IN0487, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC DBSS0IN0487 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC DBSS0IN0487 to send funds instantly.
How quickly will an NEFT transfer using DBSS0IN0487 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to DBS Bank India Limited – Nagarcoil reflect within 30 minutes.
Summary
The IFSC code DBSS0IN0487 belongs to DBS Bank India Limited's NAGARCOIL branch, located at 629001,KANYAKUMARI,TN 36/8-3,I FLOOR,SOUTH CAR STREET,NAGERCOILNAGERCOIL (… in NAGERCOIL, TAMIL NADU. 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.
