IFSC Code of DCB Bank Limited, Bhakharua Branch, Bihar

Use this page as a one-stop reference for everything related to DCB Bank Limited's BHAKHARUA branch in BHAKHARUA, BIHAR. The branch's IFSC code DCBL0000472 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, DCBL0000472 is the IFSC of DCB Bank Limited's BHAKHARUA branch. The format is fixed: DCBL = bank code, 0 = reserved, 000472 = branch identifier.

Branch details at a glance

Bank profile

DCB Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhakharua branch — IFSC DCBL0000472 — extends the bank's services to customers in and around Bhakharua, Bihar.

About the Bhakharua branch

The Bhakharua branch of DCB Bank Limited is situated at DCB BANK LTD, BHAKHARUA BRANCH, PLOT NO. 886, NEAR BHAKHARUA MOR, PATNA - AURANGABAD ROAD, VILLAGE & POST - BHAKHARUA, BLOCK - DAUDNAGAR, DISTRICT - AURANGABAD, STATE - BIHAR, PIN - 824113. 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 DCBL0000472 is used.

Why every DCB Bank 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 BHAKHARUA of DCB Bank Limited — its own 11-character IFSC. The code DCBL0000472 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 DCBL0000472 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC DCBL0000472

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 DCBL0000472 across all three.

NEFT to DCB Bank Limited, BHAKHARUA using IFSC DCBL0000472

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 DCBL0000472, and confirm that the system picks up DCB Bank Limited – BHAKHARUA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC DCBL0000472

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 DCB Bank Limited – BHAKHARUA, ensure your bank's portal accepts IFSC DCBL0000472 while registering the beneficiary. RTGS is also available 24x7.

IMPS to DCB Bank Limited BHAKHARUA (IFSC DCBL0000472)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DCBL0000472 in your mobile or internet banking app, and the money is credited to the BHAKHARUA branch account within seconds.

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

All three modes accept the IFSC DCBL0000472 for DCB Bank Limited – BHAKHARUA, 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 Bhakharua 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 DCB Bank Limited's BHAKHARUA branch, the IFSC DCBL0000472 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 Bhakharua branch

Once you have an account at DCB Bank Limited – BHAKHARUA, the IFSC DCBL0000472 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 Bhakharua 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 DCBL0000472

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 DCBL0000472 and the account number together uniquely identify the Bhakharua branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC DCBL0000472

DCB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHAKHARUA 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 DCBL0000472 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.

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 DCB Bank Limited – BHAKHARUA:

• The IFSC is exactly DCBL0000472 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills DCB Bank Limited as the bank name and BHAKHARUA 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.

Reaching the branch

The Bhakharua branch sits at DCB BANK LTD, BHAKHARUA BRANCH, PLOT NO. 886, NEAR BHAKHARUA MOR, PATNA - AURANGABAD ROAD, VILLAGE & POST - BHAKHARUA, BLOCK - DAUDNAGAR, DISTRICT - AURANGABAD, STATE - BIHAR, PIN - 824113. If you are travelling from outside Bhakharua, search for the branch on a maps application using the bank name and locality, or call 6328-68997777 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 DCBL0000472 and your account number.

Verifying IFSC DCBL0000472 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 DCBL0000472 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 6328-68997777.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Bhakharua 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 DCBL0000472 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code DCBL0000472 belongs to DCB Bank Limited's BHAKHARUA branch, located at DCB BANK LTD, BHAKHARUA BRANCH, PLOT NO. 886, NEAR BHAKHARUA MOR, PATNA -… in BHAKHARUA, BIHAR. 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.