IFSC Code of DCB Bank Limited, Howrah Branch Branch, West Bengal

Below are the complete branch details for DCB Bank Limited, HOWRAH BRANCH branch, located in HOWRAH, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is DCBL0000348. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case DCBL0000348 for DCB Bank Limited – HOWRAH BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for DCB Bank Limited – HOWRAH BRANCH is DCBL0000348. The first four letters DCBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000348 map to this branch in HOWRAH, WEST BENGAL.

About the bank

DCB Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Howrah Branch branch in Howrah, West Bengal is part of this network and uses the IFSC code DCBL0000348 for all electronic settlement.

Branch details at a glance

About the Howrah Branch branch

The Howrah Branch branch of DCB Bank Limited is situated at DCB BANK LIMITED , KRISHNA ENCLACE , GROUND FLOOR , 2/1 , BHAJAN LAL LOHIA LANE , HOWRAH - 711101 .. 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 DCBL0000348 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 DCB Bank Limited's HOWRAH BRANCH branch came to be assigned the code DCBL0000348.

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 DCBL0000348, money simply cannot be routed to the HOWRAH BRANCH branch electronically.

Products and account variants supported

Every account opened at the Howrah Branch branch is mapped to IFSC DCBL0000348 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 DCBL0000348.

Banking services available

The Howrah Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-9836061979.

• 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 DCBL0000348

How to transfer money using IFSC DCBL0000348

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 DCBL0000348 across all three.

How to use IFSC DCBL0000348 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to DCB Bank Limited's HOWRAH BRANCH 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 DCBL0000348.
4. Confirm the bank name auto-populates as DCB Bank Limited and the branch as HOWRAH BRANCH.
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 HOWRAH BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at DCB Bank Limited's HOWRAH BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DCBL0000348 while initiating the transfer and the credit will appear within minutes.

IMPS to DCB Bank Limited HOWRAH BRANCH (IFSC DCBL0000348)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DCBL0000348 in your mobile or internet banking app, and the money is credited to the HOWRAH BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Howrah Branch

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 DCBL0000348:

• 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 HOWRAH BRANCH is still linked to IFSC DCBL0000348.

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.

UPI payments and IFSC DCBL0000348

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 – HOWRAH BRANCH is still mapped to IFSC DCBL0000348. 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 DCBL0000348 and the beneficiary's account number to complete the transfer.

Online banking and IFSC DCBL0000348

DCB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the HOWRAH BRANCH 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 DCBL0000348 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 DCBL0000348 and the account number together uniquely identify the Howrah Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – HOWRAH BRANCH:

• The IFSC is exactly DCBL0000348 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 HOWRAH BRANCH 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.

How to reach the Howrah Branch branch

The branch is located at DCB BANK LIMITED , KRISHNA ENCLACE , GROUND FLOOR , 2/1 , BHAJAN LAL LOHIA LANE , HOWRAH - 711101 ., which puts it inside Howrah, the broader Howrah district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “DCB Bank Limited Howrah Branch branch” — the verified location pin for IFSC DCBL0000348 should appear at the top of the results.
2. Confirm the branch is open by calling 33-9836061979 before stepping out, especially around public holidays.
3. 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 DCBL0000348 and your account number.

Verifying IFSC DCBL0000348 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 DCBL0000348 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 33-9836061979.
• 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 Howrah Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DCBL0000348, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: DCBL0000348 is the IFSC code of DCB Bank Limited, HOWRAH BRANCH branch, in HOWRAH, WEST BENGAL. 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.