IFSC Code of DCB Bank Limited, Humbra Road Ludhiana Branch, Punjab

This page lists the IFSC code, branch address, contact number and fund-transfer information for DCB Bank Limited, HUMBRA ROAD LUDHIANA branch in LUDHIANA. The 11-digit IFSC DCBL0000433 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 HUMBRA ROAD LUDHIANA 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 – HUMBRA ROAD LUDHIANA is DCBL0000433. The first four letters DCBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000433 map to this branch in LUDHIANA, PUNJAB.

About the bank

DCB Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Humbra Road Ludhiana branch in Ludhiana, Punjab is part of this network and uses the IFSC code DCBL0000433 for all electronic settlement.

Branch details at a glance

Humbra Road Ludhiana branch overview

Located at UPPER GROUND FLOOR & BASEMENT, PLOT NO.3-G, KITCHLU NAGAR, HUMBRA ROAD, LUDHIANA-141008, the Humbra Road Ludhiana branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC DCBL0000433 is required for all interbank electronic transfers routed through this branch.

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 HUMBRA ROAD LUDHIANA of DCB Bank Limited — its own 11-character IFSC. The code DCBL0000433 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 DCBL0000433 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Humbra Road Ludhiana branch

Once you have an account at DCB Bank Limited – HUMBRA ROAD LUDHIANA, the IFSC DCBL0000433 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.

Products and services

Customers walking into the Humbra Road Ludhiana 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 DCBL0000433

How to transfer money using IFSC DCBL0000433

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 DCBL0000433 across all three.

NEFT to DCB Bank Limited, HUMBRA ROAD LUDHIANA using IFSC DCBL0000433

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 DCBL0000433, and confirm that the system picks up DCB Bank Limited – HUMBRA ROAD LUDHIANA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to HUMBRA ROAD LUDHIANA

If you need to transfer ₹2 lakh or more in one go to an account at DCB Bank Limited's HUMBRA ROAD LUDHIANA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DCBL0000433 while initiating the transfer and the credit will appear within minutes.

IMPS to DCB Bank Limited HUMBRA ROAD LUDHIANA (IFSC DCBL0000433)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DCBL0000433 in your mobile or internet banking app, and the money is credited to the HUMBRA ROAD LUDHIANA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC DCBL0000433 for DCB Bank Limited – HUMBRA ROAD LUDHIANA, 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 Humbra Road Ludhiana 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 DCBL0000433

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 – HUMBRA ROAD LUDHIANA is still mapped to IFSC DCBL0000433. 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 DCBL0000433 and the beneficiary's account number to complete the transfer.

Online banking and IFSC DCBL0000433

DCB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the HUMBRA ROAD LUDHIANA 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 DCBL0000433 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 & cheque-truncation details

Cheques drawn on the Humbra Road Ludhiana branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC DCBL0000433 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – HUMBRA ROAD LUDHIANA:

• The IFSC is exactly DCBL0000433 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 HUMBRA ROAD LUDHIANA 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.

Reaching the branch

The Humbra Road Ludhiana branch sits at UPPER GROUND FLOOR & BASEMENT, PLOT NO.3-G, KITCHLU NAGAR, HUMBRA ROAD, LUDHIANA-141008. If you are travelling from outside Ludhiana, search for the branch on a maps application using the bank name and locality, or call 161-9779794887 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 DCBL0000433 and your account number.

Verifying IFSC DCBL0000433 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 DCBL0000433 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 161-9779794887.
• 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 Humbra Road Ludhiana branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DCBL0000433, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: DCBL0000433 is the IFSC code of DCB Bank Limited, HUMBRA ROAD LUDHIANA branch, in LUDHIANA, PUNJAB. 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.