IFSC Code of DCB Bank Limited, Khariar Road Branch, Odisha

Use this page as a one-stop reference for everything related to DCB Bank Limited's KHARIAR ROAD branch in KHARIAR ROAD, ODISHA. The branch's IFSC code DCBL0000321 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 KHARIAR ROAD branch, the IFSC DCBL0000321 breaks down as follows: DCBL identifies the bank, 0 is the reserved character, and 000321 identifies this particular branch.

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 Khariar Road branch — IFSC DCBL0000321 — extends the bank's services to customers in and around Khariar Road, Odisha.

About this branch

The branch is located at DCB BANK LIMITED , KHARIAR ROAD BRANCH , SHANTI NAGAR , WARD NO.18 , MAIN ROAD , BAJARPADA , KHARIAR ROAD , DISTRICT - NUAPADA , STATE - ODISHA , PIN - 766104. It serves the Khariar Road 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 DCBL0000321 is used to identify this branch on the RBI payments network.

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 KHARIAR ROAD of DCB Bank Limited — its own 11-character IFSC. The code DCBL0000321 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 DCBL0000321 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 DCBL0000321

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 DCBL0000321 across all three.

How to use IFSC DCBL0000321 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to DCB Bank Limited's KHARIAR ROAD 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 DCBL0000321.
4. Confirm the bank name auto-populates as DCB Bank Limited and the branch as KHARIAR ROAD.
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 KHARIAR ROAD

If you need to transfer ₹2 lakh or more in one go to an account at DCB Bank Limited's KHARIAR ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DCBL0000321 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 – KHARIAR ROAD, use IMPS. With IFSC DCBL0000321 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 DCBL0000321 for DCB Bank Limited – KHARIAR ROAD, 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 Khariar Road 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 DCBL0000321

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 – KHARIAR ROAD is still mapped to IFSC DCBL0000321. 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 DCBL0000321 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Khariar Road branch is mapped to IFSC DCBL0000321 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 DCBL0000321.

Banking services available

The Khariar Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1800-2095363.

• 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 DCBL0000321

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 DCBL0000321 and the account number together uniquely identify the Khariar Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC DCBL0000321

DCB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KHARIAR ROAD 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 DCBL0000321 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.

Common mistakes to avoid when using IFSC DCBL0000321

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 – KHARIAR ROAD, 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: DCBL0000321.
• 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 Khariar Road branch sits at DCB BANK LIMITED , KHARIAR ROAD BRANCH , SHANTI NAGAR , WARD NO.18 , MAIN ROAD , BAJARPADA , KHARIAR ROAD , DISTRICT - NUAPADA , STATE - ODISHA , PIN - 766104. If you are travelling from outside Khariar Road, 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 DCBL0000321 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC DCBL0000321 for DCB Bank Limited – KHARIAR ROAD, 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.

Working hours

Branch counters at Khariar Road 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 DCBL0000321 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: DCBL0000321 is the IFSC code of DCB Bank Limited, KHARIAR ROAD branch, in KHARIAR ROAD, 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.