IFSC Code of DCB Bank Limited, Ratlam Branch, Madhya Pradesh

Use this page as a one-stop reference for everything related to DCB Bank Limited's RATLAM branch in RATLAM, MADHYA PRADESH. The branch's IFSC code DCBL0000478 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.

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 – RATLAM is DCBL0000478. The first four letters DCBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000478 map to this branch in RATLAM, MADHYA PRADESH.

Bank profile

DCB Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ratlam branch — IFSC DCBL0000478 — extends the bank's services to customers in and around Ratlam, Madhya Pradesh.

Branch details at a glance

About this branch

The branch is located at DCB BANK LTD, RATLAM BRANCH, PLOT NO.A2/A3, POWER HOUSE ROAD(VALLABH MARG), 2 BATTI CHAURAHA, RATLAM, DISTRICT-RATLAM, STATE-MADHYA PRADESH, PIN-457001. It serves the Ratlam 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 DCBL0000478 is used to identify this branch on the RBI payments network.

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 RATLAM branch came to be assigned the code DCBL0000478.

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 DCBL0000478, money simply cannot be routed to the RATLAM branch electronically.

Account types you can open at the Ratlam branch

Once you have an account at DCB Bank Limited – RATLAM, the IFSC DCBL0000478 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.

Banking services available

The Ratlam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7412-68997777.

• 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 DCBL0000478

How to transfer money using IFSC DCBL0000478

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 DCBL0000478 across all three.

How to use IFSC DCBL0000478 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to DCB Bank Limited's RATLAM 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 DCBL0000478.
4. Confirm the bank name auto-populates as DCB Bank Limited and the branch as RATLAM.
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 RATLAM

If you need to transfer ₹2 lakh or more in one go to an account at DCB Bank Limited's RATLAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DCBL0000478 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to DCB Bank Limited – RATLAM, use IMPS. With IFSC DCBL0000478 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC DCBL0000478 for DCB Bank Limited – RATLAM, 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 Ratlam 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at DCB Bank Limited's RATLAM branch, the IFSC DCBL0000478 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC DCBL0000478

DCB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RATLAM 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 DCBL0000478 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 Ratlam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC DCBL0000478 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 DCBL0000478

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 – RATLAM, 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: DCBL0000478.
• 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 Ratlam branch sits at DCB BANK LTD, RATLAM BRANCH, PLOT NO.A2/A3, POWER HOUSE ROAD(VALLABH MARG), 2 BATTI CHAURAHA, RATLAM, DISTRICT-RATLAM, STATE-MADHYA PRADESH, PIN-457001. If you are travelling from outside Ratlam, search for the branch on a maps application using the bank name and locality, or call 7412-68997777 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 DCBL0000478 and your account number.

Verifying IFSC DCBL0000478 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 DCBL0000478 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7412-68997777.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ratlam 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 DCBL0000478 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: DCBL0000478 is the IFSC code of DCB Bank Limited, RATLAM branch, in RATLAM, MADHYA 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.