IFSC Code of DCB Bank Limited, Kolagallu Branch, Karnataka

Use this page as a one-stop reference for everything related to DCB Bank Limited's KOLAGALLU branch in KOLAGALLU, KARNATAKA. The branch's IFSC code DCBL0000231 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 KOLAGALLU branch, the IFSC DCBL0000231 breaks down as follows: DCBL identifies the bank, 0 is the reserved character, and 000231 identifies this particular branch.

About the bank

DCB Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kolagallu branch in Kolagallu, Karnataka is part of this network and uses the IFSC code DCBL0000231 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at DCB BANK LTD, KOLAGALLU BRANCH, WARD NO. 5, PROPERTY NO. 4-732, 4-733, 4-734 & 7-735, KOLAGALLU VILLAGE, DIST. BALLARI, KARNATAKA. It serves the Kolagallu 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 DCBL0000231 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 KOLAGALLU of DCB Bank Limited — its own 11-character IFSC. The code DCBL0000231 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 DCBL0000231 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Kolagallu branch is mapped to IFSC DCBL0000231 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 DCBL0000231.

Products and services

Customers walking into the Kolagallu 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 DCBL0000231

How to transfer money using IFSC DCBL0000231

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 DCBL0000231 across all three.

NEFT to DCB Bank Limited, KOLAGALLU using IFSC DCBL0000231

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 DCBL0000231, and confirm that the system picks up DCB Bank Limited – KOLAGALLU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KOLAGALLU

If you need to transfer ₹2 lakh or more in one go to an account at DCB Bank Limited's KOLAGALLU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DCBL0000231 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 – KOLAGALLU, use IMPS. With IFSC DCBL0000231 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 DCBL0000231 for DCB Bank Limited – KOLAGALLU, 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 Kolagallu 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 DCBL0000231

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 – KOLAGALLU is still mapped to IFSC DCBL0000231. 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 DCBL0000231 and the beneficiary's account number to complete the transfer.

Online banking and IFSC DCBL0000231

DCB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KOLAGALLU 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 DCBL0000231 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 DCBL0000231 and the account number together uniquely identify the Kolagallu 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 DCBL0000231

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 – KOLAGALLU, 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: DCBL0000231.
• 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.

How to reach the Kolagallu branch

The branch is located at DCB BANK LTD, KOLAGALLU BRANCH, WARD NO. 5, PROPERTY NO. 4-732, 4-733, 4-734 & 7-735, KOLAGALLU VILLAGE, DIST. BALLARI, KARNATAKA, which puts it inside Kolagallu, the broader Ballari district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “DCB Bank Limited Kolagallu branch” — the verified location pin for IFSC DCBL0000231 should appear at the top of the results.
2. Confirm the branch is open by calling 1800-2095363 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 DCBL0000231 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC DCBL0000231 for DCB Bank Limited – KOLAGALLU, 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 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 Kolagallu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DCBL0000231, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code DCBL0000231 belongs to DCB Bank Limited's KOLAGALLU branch, located at DCB BANK LTD, KOLAGALLU BRANCH, WARD NO. 5, PROPERTY NO. 4-732, 4-733, 4-734 &… in KOLAGALLU, KARNATAKA. 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.