IFSC Code of DCB Bank Limited, Bhilai Charoda Branch, Chhattisgarh

Use this page as a one-stop reference for everything related to DCB Bank Limited's BHILAI CHARODA branch in BHILAI CHARODA, CHHATTISGARH. The branch's IFSC code DCBL0000127 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 BHILAI CHARODA branch, the IFSC DCBL0000127 breaks down as follows: DCBL identifies the bank, 0 is the reserved character, and 000127 identifies this particular branch.

About DCB Bank Limited

DCB Bank Limited operates a wide network of branches across India, including the Bhilai Charoda branch in Bhilai Charoda. 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, DCBL0000127.

Branch details at a glance

Bhilai Charoda branch overview

Located at DCB BANK LTD BHILAI CHARODA BRANCH G E ROAD,OPP RAM MANDIR BHILAI 3 BHILAI CHARODA,DISTRICT DURG,STATE CHHATTISGARH,PIN 490021, the Bhilai Charoda branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC DCBL0000127 is required for all interbank electronic transfers routed through this branch.

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 BHILAI CHARODA branch came to be assigned the code DCBL0000127.

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 DCBL0000127, money simply cannot be routed to the BHILAI CHARODA branch electronically.

Products and account variants supported

Every account opened at the Bhilai Charoda branch is mapped to IFSC DCBL0000127 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 DCBL0000127.

Products and services

Customers walking into the Bhilai Charoda 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 DCBL0000127

How to transfer money using IFSC DCBL0000127

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 DCBL0000127 across all three.

How to use IFSC DCBL0000127 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to DCB Bank Limited's BHILAI CHARODA 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 DCBL0000127.
4. Confirm the bank name auto-populates as DCB Bank Limited and the branch as BHILAI CHARODA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC DCBL0000127

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 – BHILAI CHARODA, ensure your bank's portal accepts IFSC DCBL0000127 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to DCB Bank Limited – BHILAI CHARODA, use IMPS. With IFSC DCBL0000127 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 DCBL0000127 for DCB Bank Limited – BHILAI CHARODA, 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 Bhilai Charoda 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.

UPI payments and IFSC DCBL0000127

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at DCB Bank Limited – BHILAI CHARODA is still mapped to IFSC DCBL0000127. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC DCBL0000127 and the beneficiary's account number to complete the transfer.

Online banking and IFSC DCBL0000127

DCB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHILAI CHARODA 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 DCBL0000127 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 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 DCBL0000127 and the account number together uniquely identify the Bhilai Charoda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC DCBL0000127

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 – BHILAI CHARODA, 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: DCBL0000127.
• 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.

Reaching the branch

The Bhilai Charoda branch sits at DCB BANK LTD BHILAI CHARODA BRANCH G E ROAD,OPP RAM MANDIR BHILAI 3 BHILAI CHARODA,DISTRICT DURG,STATE CHHATTISGARH,PIN 490021. If you are travelling from outside Bhilai Charoda, 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 DCBL0000127 and your account number.

Verifying IFSC DCBL0000127 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 DCBL0000127 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1800-2095363.
• 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 Bhilai Charoda branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DCBL0000127, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: DCBL0000127 is the IFSC code of DCB Bank Limited, BHILAI CHARODA branch, in BHILAI CHARODA, CHHATTISGARH. 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.