IFSC Code of DCB Bank Limited, Mira Bhayandar Road Branch, Maharashtra

Use this page as a one-stop reference for everything related to DCB Bank Limited's MIRA BHAYANDAR ROAD branch in MUM BAI, MAHARASHTRA. The branch's IFSC code DCBL0000194 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 MIRA BHAYANDAR ROAD branch, the IFSC DCBL0000194 breaks down as follows: DCBL identifies the bank, 0 is the reserved character, and 000194 identifies this particular branch.

Bank profile

DCB Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Mira Bhayandar Road branch — IFSC DCBL0000194 — extends the bank's services to customers in and around Mum Bai, Maharashtra.

Branch details at a glance

About the Mira Bhayandar Road branch

The Mira Bhayandar Road branch of DCB Bank Limited is situated at DCB BANK LTD,NOS.117&118,OSTWAL ASHADEEP CHS LTD,OPP VIJAY SALES(NEAR SILVER PARK SIGNAL)MIRA BHAYANDAR ROAD, MIRA ROAD (EAST),THANE-401107. 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 DCBL0000194 is used.

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 MIRA BHAYANDAR ROAD branch came to be assigned the code DCBL0000194.

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 DCBL0000194, money simply cannot be routed to the MIRA BHAYANDAR ROAD branch electronically.

Products and account variants supported

Every account opened at the Mira Bhayandar Road branch is mapped to IFSC DCBL0000194 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 DCBL0000194.

Banking services available

The Mira Bhayandar Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9223600851.

• 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 DCBL0000194

How to transfer money using IFSC DCBL0000194

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 DCBL0000194 across all three.

How to use IFSC DCBL0000194 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to DCB Bank Limited's MIRA BHAYANDAR 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 DCBL0000194.
4. Confirm the bank name auto-populates as DCB Bank Limited and the branch as MIRA BHAYANDAR 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 MIRA BHAYANDAR ROAD

If you need to transfer ₹2 lakh or more in one go to an account at DCB Bank Limited's MIRA BHAYANDAR ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DCBL0000194 while initiating the transfer and the credit will appear within minutes.

IMPS to DCB Bank Limited MIRA BHAYANDAR ROAD (IFSC DCBL0000194)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DCBL0000194 in your mobile or internet banking app, and the money is credited to the MIRA BHAYANDAR ROAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Mira Bhayandar Road

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 DCBL0000194:

• 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 MIRA BHAYANDAR ROAD is still linked to IFSC DCBL0000194.

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 DCBL0000194

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 – MIRA BHAYANDAR ROAD is still mapped to IFSC DCBL0000194. 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 DCBL0000194 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Mira Bhayandar Road 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 DCBL0000194 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.

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 DCBL0000194 and the account number together uniquely identify the Mira Bhayandar Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – MIRA BHAYANDAR ROAD:

• The IFSC is exactly DCBL0000194 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 MIRA BHAYANDAR ROAD 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 Mira Bhayandar Road branch sits at DCB BANK LTD,NOS.117&118,OSTWAL ASHADEEP CHS LTD,OPP VIJAY SALES(NEAR SILVER PARK SIGNAL)MIRA BHAYANDAR ROAD, MIRA ROAD (EAST),THANE-401107. If you are travelling from outside Mum Bai, search for the branch on a maps application using the bank name and locality, or call 91-9223600851 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 DCBL0000194 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC DCBL0000194 for DCB Bank Limited – MIRA BHAYANDAR 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.

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 Mira Bhayandar Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DCBL0000194, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: DCBL0000194 is the IFSC code of DCB Bank Limited, MIRA BHAYANDAR ROAD branch, in MUM BAI, MAHARASHTRA. 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.