IFSC Code of DCB Bank Limited, Bargarh Branch, Odisha

Use this page as a one-stop reference for everything related to DCB Bank Limited's BARGARH branch in BARGARH, ODISHA. The branch's IFSC code DCBL0000103 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 DCB Bank Limited's BARGARH branch, the IFSC DCBL0000103 breaks down as follows: DCBL identifies the bank, 0 is the reserved character, and 000103 identifies this particular branch.

About DCB Bank Limited

DCB Bank Limited operates a wide network of branches across India, including the Bargarh branch in Bargarh. 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, DCBL0000103.

About this branch

The branch is located at DCB BANK , GROUND FLOOR, KRIPAL TOWER, NEAR GURUDWARA , BARGARH , ODISHA , PIN - 768028. It serves the Bargarh region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of DCB Bank Limited. The IFSC DCBL0000103 is used to identify this branch on the RBI payments network.

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 DCB Bank Limited's BARGARH branch came to be assigned the code DCBL0000103.

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 DCBL0000103, money simply cannot be routed to the BARGARH branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by DCB Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC DCBL0000103 and the account number together uniquely identify the Bargarh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC DCBL0000103

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 DCBL0000103 across all three.

How to use IFSC DCBL0000103 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to DCB Bank Limited's BARGARH 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 DCBL0000103.
4. Confirm the bank name auto-populates as DCB Bank Limited and the branch as BARGARH.
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 BARGARH

If you need to transfer ₹2 lakh or more in one go to an account at DCB Bank Limited's BARGARH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DCBL0000103 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to DCB Bank Limited – BARGARH, use IMPS. With IFSC DCBL0000103 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 Bargarh

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 DCBL0000103:

• 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 BARGARH is still linked to IFSC DCBL0000103.

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 DCB Bank Limited's BARGARH branch, the IFSC DCBL0000103 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 Bargarh branch is mapped to IFSC DCBL0000103 on the RBI payments network. The branch generally supports the full retail product catalogue of DCB Bank 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 DCBL0000103.

Products and services

Customers walking into the Bargarh branch can access most of DCB Bank 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 DCBL0000103

Digital banking channels

Most day-to-day work that customers used to do at the Bargarh 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 DCBL0000103 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 Bargarh branch sits at DCB BANK , GROUND FLOOR, KRIPAL TOWER, NEAR GURUDWARA , BARGARH , ODISHA , PIN - 768028. If you are travelling from outside Bargarh, search for the branch on a maps application using the bank name and locality, or call 1800-2095363 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 DCBL0000103 and your account number.

Common mistakes to avoid when using IFSC DCBL0000103

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 DCB Bank Limited – BARGARH, 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: DCBL0000103.
• 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.

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 Bargarh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DCBL0000103, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC DCBL0000103 for DCB Bank Limited – BARGARH, 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

Final notes

To recap: DCBL0000103 is the IFSC code of DCB Bank Limited, BARGARH branch, in BARGARH, ODISHA. 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.