IFSC Code of DBS Bank India Limited, Palakkad Branch, Kerala

Use this page as a one-stop reference for everything related to DBS Bank India Limited's PALAKKAD branch in PALAKKAD, KERALA. The branch's IFSC code DBSS0IN0546 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.

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 PALAKKAD branch, the IFSC DBSS0IN0546 breaks down as follows: DBSS identifies the bank, 0 is the reserved character, and IN0546 identifies this particular branch.

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 Palakkad branch in Palakkad, Kerala is part of this network and uses the IFSC code DBSS0IN0546 for all electronic settlement.

About this branch

The branch is located at SHORNUR ROAD,NURANI NO.25/356(1),EDEN AVENUES,PALAKKADPALAKKAD678004KL. It serves the Palakkad 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 DBSS0IN0546 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 PALAKKAD of DBS Bank India Limited — its own 11-character IFSC. The code DBSS0IN0546 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 DBSS0IN0546 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 DBSS0IN0546 and the account number together uniquely identify the Palakkad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC DBSS0IN0546

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 DBSS0IN0546 across all three.

How to use IFSC DBSS0IN0546 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to DBS Bank India Limited's PALAKKAD 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 DBSS0IN0546.
4. Confirm the bank name auto-populates as DBS Bank India Limited and the branch as PALAKKAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to PALAKKAD

If you need to transfer ₹2 lakh or more in one go to an account at DBS Bank India Limited's PALAKKAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DBSS0IN0546 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 – PALAKKAD, use IMPS. With IFSC DBSS0IN0546 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 Palakkad

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 DBSS0IN0546:

• 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 PALAKKAD is still linked to IFSC DBSS0IN0546.

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 PALAKKAD branch, the IFSC DBSS0IN0546 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.

Account types you can open at the Palakkad branch

Once you have an account at DBS Bank India Limited – PALAKKAD, the IFSC DBSS0IN0546 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.

Banking services available

The Palakkad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 491-2502231.

• 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 DBSS0IN0546

Digital banking channels

Most day-to-day work that customers used to do at the Palakkad 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 DBSS0IN0546 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 Palakkad branch sits at SHORNUR ROAD,NURANI NO.25/356(1),EDEN AVENUES,PALAKKADPALAKKAD678004KL. If you are travelling from outside Palakkad, search for the branch on a maps application using the bank name and locality, or call 491-2502231 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 DBSS0IN0546 and your account number.

Common mistakes to avoid when using IFSC DBSS0IN0546

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 – PALAKKAD, 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: DBSS0IN0546.
• 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 Palakkad 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 DBSS0IN0546 continue to work without interruption.

Verifying IFSC DBSS0IN0546 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 DBSS0IN0546 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 491-2502231.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code DBSS0IN0546 belongs to DBS Bank India Limited's PALAKKAD branch, located at SHORNUR ROAD,NURANI NO.25/356(1),EDEN AVENUES,PALAKKADPALAKKAD678004KL in PALAKKAD, KERALA. 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.