This page lists the IFSC code, branch address, contact number and fund-transfer information for DCB Bank Limited, GHATKOPAR branch in MUMBAI. The 11-digit IFSC DCBL0000449 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 GHATKOPAR 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, DCBL0000449 is the IFSC of DCB Bank Limited's GHATKOPAR branch. The format is fixed: DCBL = bank code, 0 = reserved, 000449 = branch identifier.
About the bank
DCB Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ghatkopar branch in Mumbai, Maharashtra is part of this network and uses the IFSC code DCBL0000449 for all electronic settlement.
About this branch
The branch is located at BHANUSHALI NAGAR, GROUND FLOOR, SHOP NO. 1,2 & 3, E-WING, V N BHANUSHALI MARG, TILAK ROAD, GHATKOPAR (EAST), MUMBAI - PIN - 400077. It serves the Mumbai 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 DCBL0000449 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | DCB Bank Limited |
|---|---|
| Branch | Ghatkopar |
| IFSC Code | DCBL0000449 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BHANUSHALI NAGAR, GROUND FLOOR, SHOP NO. 1,2 & 3, E-WING, V N BHANUSHALI MARG, TILAK ROAD, GHATKOPAR (EAST), MUMBAI - PIN - 400077 |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 9821589066 |
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 GHATKOPAR branch came to be assigned the code DCBL0000449.
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 DCBL0000449, money simply cannot be routed to the GHATKOPAR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Ghatkopar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC DCBL0000449 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC DCBL0000449
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 DCBL0000449 across all three.
NEFT to DCB Bank Limited, GHATKOPAR using IFSC DCBL0000449
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 DCBL0000449, and confirm that the system picks up DCB Bank Limited – GHATKOPAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to GHATKOPAR
If you need to transfer ₹2 lakh or more in one go to an account at DCB Bank Limited's GHATKOPAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DCBL0000449 while initiating the transfer and the credit will appear within minutes.
IMPS to DCB Bank Limited GHATKOPAR (IFSC DCBL0000449)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DCBL0000449 in your mobile or internet banking app, and the money is credited to the GHATKOPAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC DCBL0000449 for DCB Bank Limited – GHATKOPAR, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – DCBL0000449 | Yes – DCBL0000449 | Yes – DCBL0000449 |
For most retail customers crediting the Ghatkopar 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 DCBL0000449
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 – GHATKOPAR is still mapped to IFSC DCBL0000449. 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 DCBL0000449 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Ghatkopar branch is mapped to IFSC DCBL0000449 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 DCBL0000449.
Banking services available
The Ghatkopar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-9821589066.
- 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 DCBL0000449
Online banking and IFSC DCBL0000449
DCB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GHATKOPAR 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 DCBL0000449 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.
Reaching the branch
The Ghatkopar branch sits at BHANUSHALI NAGAR, GROUND FLOOR, SHOP NO. 1,2 & 3, E-WING, V N BHANUSHALI MARG, TILAK ROAD, GHATKOPAR (EAST), MUMBAI - PIN - 400077. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-9821589066 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 DCBL0000449 and your account number.
Common mistakes to avoid when using IFSC DCBL0000449
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 – GHATKOPAR, 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:
DCBL0000449. - 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.
Working hours
Branch counters at Ghatkopar 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 DCBL0000449 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC DCBL0000449 for DCB Bank Limited – GHATKOPAR, 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 address & contact
DCB Bank LimitedGhatkopar Branch
BHANUSHALI NAGAR, GROUND FLOOR, SHOP NO. 1,2 & 3, E-WING, V N BHANUSHALI MARG, TILAK ROAD, GHATKOPAR (EAST), MUMBAI - PIN - 400077
Mumbai, Maharashtra
Phone: 22-9821589066
IFSC: DCBL0000449
Frequently asked questions
How quickly will an NEFT transfer using DCBL0000449 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to DCB Bank Limited – Ghatkopar reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Ghatkopar branch but serve different purposes.
How do I add DCB Bank Limited Ghatkopar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC DCBL0000449, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC DCBL0000449 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC DCBL0000449 to send funds instantly.
What is the IFSC code of DCB Bank Limited Ghatkopar branch?
The IFSC code of DCB Bank Limited, Ghatkopar branch is DCBL0000449. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does DCB Bank Limited Ghatkopar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-9821589066 to confirm.
Where is DCB Bank Limited Ghatkopar branch located?
DCB Bank Limited's Ghatkopar branch is located at BHANUSHALI NAGAR, GROUND FLOOR, SHOP NO. 1,2 & 3, E-WING, V N BHANUSHALI MARG, TILAK ROAD, GHATKOPAR (EAST), MUMBAI - PIN - 400077, Mumbai, Maharashtra.
What is the phone number of DCB Bank Limited Ghatkopar branch?
You can reach the branch at 22-9821589066 during regular banking hours.
Summary
The IFSC code DCBL0000449 belongs to DCB Bank Limited's GHATKOPAR branch, located at BHANUSHALI NAGAR, GROUND FLOOR, SHOP NO. 1,2 & 3, E-WING, V N BHANUSHALI MARG,… in MUMBAI, MAHARASHTRA. 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.
