IFSC Code of DCB Bank Limited, Kusi Branch, Bihar

This page lists the IFSC code, branch address, contact number and fund-transfer information for DCB Bank Limited, KUSI branch in KUSI. The 11-digit IFSC DCBL0000427 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with DCB Bank Limited at the KUSI location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – KUSI is DCBL0000427. The first four letters DCBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000427 map to this branch in KUSI, BIHAR.

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 Kusi branch — IFSC DCBL0000427 — extends the bank's services to customers in and around Kusi, Bihar.

About the Kusi branch

The Kusi branch of DCB Bank Limited is situated at DCB BANK LTD, KUSI BRANCH, BHASKAR NAGAR, OPP. RESERVE POLICE LINE GATE, KARMA ROAD, VILLAGE-KUSI, POST OFFICE-AURANGABAD (BH) HO, DISTRICT-AURANGABAD, STATE-BIHAR, PIN-824102. 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 DCBL0000427 is used.

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 KUSI of DCB Bank Limited — its own 11-character IFSC. The code DCBL0000427 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 DCBL0000427 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 DCBL0000427

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 DCBL0000427 across all three.

How to use IFSC DCBL0000427 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to DCB Bank Limited's KUSI 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 DCBL0000427.
4. Confirm the bank name auto-populates as DCB Bank Limited and the branch as KUSI.
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 KUSI

If you need to transfer ₹2 lakh or more in one go to an account at DCB Bank Limited's KUSI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DCBL0000427 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 – KUSI, use IMPS. With IFSC DCBL0000427 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 DCBL0000427 for DCB Bank Limited – KUSI, 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 Kusi 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at DCB Bank Limited's KUSI branch, the IFSC DCBL0000427 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Kusi branch

Once you have an account at DCB Bank Limited – KUSI, the IFSC DCBL0000427 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Kusi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 240-68997777.

• 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 DCBL0000427

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 DCBL0000427 and the account number together uniquely identify the Kusi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Kusi branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC DCBL0000427 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Common mistakes to avoid when using IFSC DCBL0000427

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 – KUSI, 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: DCBL0000427.
• 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 Kusi branch

The branch is located at DCB BANK LTD, KUSI BRANCH, BHASKAR NAGAR, OPP. RESERVE POLICE LINE GATE, KARMA ROAD, VILLAGE-KUSI, POST OFFICE-AURANGABAD (BH) HO, DISTRICT-AURANGABAD, STATE-BIHAR, PIN-824102, which puts it inside Kusi, the broader Aurangabad district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “DCB Bank Limited Kusi branch” — the verified location pin for IFSC DCBL0000427 should appear at the top of the results.
2. Confirm the branch is open by calling 240-68997777 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 DCBL0000427 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC DCBL0000427 for DCB Bank Limited – KUSI, 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 Kusi 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 DCBL0000427 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code DCBL0000427 belongs to DCB Bank Limited's KUSI branch, located at DCB BANK LTD, KUSI BRANCH, BHASKAR NAGAR, OPP. RESERVE POLICE LINE GATE, KARMA… in KUSI, BIHAR. 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.