If you are searching for the IFSC code of DCB Bank Limited, NIKOL branch in NIKOL, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is DCBL0000434. 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 NIKOL branch, and detailed step-by-step guides for using the IFSC DCBL0000434 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.
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, DCBL0000434 is the IFSC of DCB Bank Limited's NIKOL branch. The format is fixed: DCBL = bank code, 0 = reserved, 000434 = branch identifier.
Bank profile
DCB Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Nikol branch — IFSC DCBL0000434 — extends the bank's services to customers in and around Nikol, Gujarat.
Branch details at a glance
| Bank Name | DCB Bank Limited |
|---|---|
| Branch | Nikol |
| IFSC Code | DCBL0000434 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DCB BANK LTD,SHOP NO.14-20,PUSHKAR ICON BESIDES DEV RESIDENCY,NEAR SUKAN CROSS ROADS,NIKOL-NARODA ROAD,NIKOL,AHMEDABAD-382345. |
| City | Nikol |
| District | Nikol |
| State | Gujarat |
| STD Code | 79 |
| Phone | 9375949882 |
About the Nikol branch
The Nikol branch of DCB Bank Limited is situated at DCB BANK LTD,SHOP NO.14-20,PUSHKAR ICON BESIDES DEV RESIDENCY,NEAR SUKAN CROSS ROADS,NIKOL-NARODA ROAD,NIKOL,AHMEDABAD-382345.. 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 DCBL0000434 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 NIKOL of DCB Bank Limited — its own 11-character IFSC. The code DCBL0000434 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 DCBL0000434 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Nikol branch is mapped to IFSC DCBL0000434 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 DCBL0000434.
Banking services available
The Nikol branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 79-9375949882.
- 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 DCBL0000434
How to transfer money using IFSC DCBL0000434
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 DCBL0000434 across all three.
NEFT to DCB Bank Limited, NIKOL using IFSC DCBL0000434
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 DCBL0000434, and confirm that the system picks up DCB Bank Limited – NIKOL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NIKOL
If you need to transfer ₹2 lakh or more in one go to an account at DCB Bank Limited's NIKOL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DCBL0000434 while initiating the transfer and the credit will appear within minutes.
IMPS to DCB Bank Limited NIKOL (IFSC DCBL0000434)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DCBL0000434 in your mobile or internet banking app, and the money is credited to the NIKOL branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC DCBL0000434 for DCB Bank Limited – NIKOL, 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 – DCBL0000434 | Yes – DCBL0000434 | Yes – DCBL0000434 |
For most retail customers crediting the Nikol 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 DCBL0000434
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 – NIKOL is still mapped to IFSC DCBL0000434. 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 DCBL0000434 and the beneficiary's account number to complete the transfer.
Online banking and IFSC DCBL0000434
DCB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NIKOL 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 DCBL0000434 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 Nikol branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC DCBL0000434 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC DCBL0000434
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 – NIKOL, 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:
DCBL0000434. - 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.
Reaching the branch
The Nikol branch sits at DCB BANK LTD,SHOP NO.14-20,PUSHKAR ICON BESIDES DEV RESIDENCY,NEAR SUKAN CROSS ROADS,NIKOL-NARODA ROAD,NIKOL,AHMEDABAD-382345.. If you are travelling from outside Nikol, search for the branch on a maps application using the bank name and locality, or call 79-9375949882 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 DCBL0000434 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC DCBL0000434 for DCB Bank Limited – NIKOL, 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 Nikol branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DCBL0000434, however, work 24x7.
Branch address & contact
DCB Bank LimitedNikol Branch
DCB BANK LTD,SHOP NO.14-20,PUSHKAR ICON BESIDES DEV RESIDENCY,NEAR SUKAN CROSS ROADS,NIKOL-NARODA ROAD,NIKOL,AHMEDABAD-382345.
Nikol, Gujarat
Phone: 79-9375949882
IFSC: DCBL0000434
Frequently asked questions
How do I add DCB Bank Limited Nikol as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC DCBL0000434, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Nikol branch but serve different purposes.
What is the phone number of DCB Bank Limited Nikol branch?
You can reach the branch at 79-9375949882 during regular banking hours.
Can I use IFSC DCBL0000434 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC DCBL0000434 to send funds instantly.
Is IFSC DCBL0000434 the same for all accounts at Nikol branch?
Yes. The IFSC DCBL0000434 is shared by every account held at DCB Bank Limited's Nikol branch. Only the account number changes from customer to customer.
Is IFSC DCBL0000434 valid for NEFT and RTGS?
Yes. IFSC DCBL0000434 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of DCB Bank Limited Nikol branch?
The IFSC code of DCB Bank Limited, Nikol branch is DCBL0000434. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code DCBL0000434 belongs to DCB Bank Limited's NIKOL branch, located at DCB BANK LTD,SHOP NO.14-20,PUSHKAR ICON BESIDES DEV RESIDENCY,NEAR SUKAN CROSS… in NIKOL, GUJARAT. 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.
