IFSC Code of DCB Bank Limited, Payakaraopeta Branch, Andhra Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for DCB Bank Limited, PAYAKARAOPETA branch in PAYAKARAOPETA. The 11-digit IFSC DCBL0000326 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 PAYAKARAOPETA 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.

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 PAYAKARAOPETA branch, the IFSC DCBL0000326 breaks down as follows: DCBL identifies the bank, 0 is the reserved character, and 000326 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 Payakaraopeta branch — IFSC DCBL0000326 — extends the bank's services to customers in and around Payakaraopeta, Andhra Pradesh.

Payakaraopeta branch overview

Located at DCB BANK LIMITED , PAYAKARAOPETA BRANCH , GROUND FLOOR , 17-139 , G N T ROAD , NEAR GRAM PANCHAYAT OFFICE , PAYAKARAOPETA , DISTRICT - VISAKHAPATNAM , STATE - ANDHRA PRADESH , PIN - 531126, the Payakaraopeta branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC DCBL0000326 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 PAYAKARAOPETA branch came to be assigned the code DCBL0000326.

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 DCBL0000326, money simply cannot be routed to the PAYAKARAOPETA branch electronically.

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 DCBL0000326 and the account number together uniquely identify the Payakaraopeta branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC DCBL0000326

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 DCBL0000326 across all three.

NEFT to DCB Bank Limited, PAYAKARAOPETA using IFSC DCBL0000326

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 DCBL0000326, and confirm that the system picks up DCB Bank Limited – PAYAKARAOPETA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PAYAKARAOPETA

If you need to transfer ₹2 lakh or more in one go to an account at DCB Bank Limited's PAYAKARAOPETA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DCBL0000326 while initiating the transfer and the credit will appear within minutes.

IMPS to DCB Bank Limited PAYAKARAOPETA (IFSC DCBL0000326)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DCBL0000326 in your mobile or internet banking app, and the money is credited to the PAYAKARAOPETA branch account within seconds.

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

All three modes accept the IFSC DCBL0000326 for DCB Bank Limited – PAYAKARAOPETA, 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 Payakaraopeta 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 DCBL0000326

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 – PAYAKARAOPETA is still mapped to IFSC DCBL0000326. 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 DCBL0000326 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Payakaraopeta branch is mapped to IFSC DCBL0000326 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 DCBL0000326.

Products and services

Customers walking into the Payakaraopeta 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 DCBL0000326

Online banking and IFSC DCBL0000326

DCB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PAYAKARAOPETA 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 DCBL0000326 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 Payakaraopeta branch sits at DCB BANK LIMITED , PAYAKARAOPETA BRANCH , GROUND FLOOR , 17-139 , G N T ROAD , NEAR GRAM PANCHAYAT OFFICE , PAYAKARAOPETA , DISTRICT - VISAKHAPATNAM , STATE - ANDHRA PRADESH , PIN - 531126. If you are travelling from outside Payakaraopeta, search for the branch on a maps application using the bank name and locality, or call 1800-2095363 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 DCBL0000326 and your account number.

Common mistakes to avoid when using IFSC DCBL0000326

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 – PAYAKARAOPETA, 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: DCBL0000326.
• 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.

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 Payakaraopeta branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DCBL0000326, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC DCBL0000326 for DCB Bank Limited – PAYAKARAOPETA, 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

Frequently asked questions

Final notes

To recap: DCBL0000326 is the IFSC code of DCB Bank Limited, PAYAKARAOPETA branch, in PAYAKARAOPETA, ANDHRA PRADESH. 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.