IFSC Code of DCB Bank Limited, Kumbakonam Branch, Tamil Nadu

If you are searching for the IFSC code of DCB Bank Limited, KUMBAKONAM branch in KUMBAKONAM, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is DCBL0000289. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KUMBAKONAM branch, and detailed step-by-step guides for using the IFSC DCBL0000289 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 KUMBAKONAM branch, the IFSC DCBL0000289 breaks down as follows: DCBL identifies the bank, 0 is the reserved character, and 000289 identifies this particular branch.

Branch details at a glance

About the bank

DCB Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kumbakonam branch in Kumbakonam, Tamil Nadu is part of this network and uses the IFSC code DCBL0000289 for all electronic settlement.

Kumbakonam branch overview

Located at DCB BANK LIMITED , DOOR NO.16, SARANGAPANI KOVIL , KILAVADAMPOKI , TSR BIG STREET , KUMBAKONAM , THANJAVUR DISTRICT , TAMILNADU - 612001, the Kumbakonam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC DCBL0000289 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 KUMBAKONAM branch came to be assigned the code DCBL0000289.

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 DCBL0000289, money simply cannot be routed to the KUMBAKONAM branch electronically.

How to transfer money using IFSC DCBL0000289

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 DCBL0000289 across all three.

NEFT to DCB Bank Limited, KUMBAKONAM using IFSC DCBL0000289

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 DCBL0000289, and confirm that the system picks up DCB Bank Limited – KUMBAKONAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC DCBL0000289

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 – KUMBAKONAM, ensure your bank's portal accepts IFSC DCBL0000289 while registering the beneficiary. RTGS is also available 24x7.

IMPS to DCB Bank Limited KUMBAKONAM (IFSC DCBL0000289)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DCBL0000289 in your mobile or internet banking app, and the money is credited to the KUMBAKONAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kumbakonam

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 DCBL0000289:

• 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 KUMBAKONAM is still linked to IFSC DCBL0000289.

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 DCBL0000289

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 – KUMBAKONAM is still mapped to IFSC DCBL0000289. 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 DCBL0000289 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kumbakonam branch is mapped to IFSC DCBL0000289 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 DCBL0000289.

Banking services available

The Kumbakonam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 435-7200002583.

• 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 DCBL0000289

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 DCBL0000289 and the account number together uniquely identify the Kumbakonam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC DCBL0000289

DCB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KUMBAKONAM 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 DCBL0000289 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 – KUMBAKONAM:

• The IFSC is exactly DCBL0000289 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 KUMBAKONAM 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 Kumbakonam branch

The branch is located at DCB BANK LIMITED , DOOR NO.16, SARANGAPANI KOVIL , KILAVADAMPOKI , TSR BIG STREET , KUMBAKONAM , THANJAVUR DISTRICT , TAMILNADU - 612001, which puts it inside Kumbakonam, the broader Thanjavur district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “DCB Bank Limited Kumbakonam branch” — the verified location pin for IFSC DCBL0000289 should appear at the top of the results.
2. Confirm the branch is open by calling 435-7200002583 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 DCBL0000289 and your account number.

Verifying IFSC DCBL0000289 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 DCBL0000289 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 435-7200002583.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kumbakonam 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 DCBL0000289 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: DCBL0000289 is the IFSC code of DCB Bank Limited, KUMBAKONAM branch, in KUMBAKONAM, TAMIL NADU. 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.