This page lists the IFSC code, branch address, contact number and fund-transfer information for DCB Bank Limited, KATARGAM branch in SURAT. The 11-digit IFSC DCBL0000492 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 KATARGAM 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.
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 – KATARGAM is DCBL0000492. The first four letters DCBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000492 map to this branch in SURAT, GUJARAT.
About DCB Bank Limited
DCB Bank Limited operates a wide network of branches across India, including the Katargam branch in Surat. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, DCBL0000492.
Katargam branch overview
Located at DCB BANK LIMITED , KATARGAM RETAIL BRANCH , SHOP NO 5 & 6 ,GROUND FLOOR , MAHEK IT PARK , NEAR BADA GANESH TEMPLE KATARGAM , DISTRICT - SURAT , STATE - GUJARAT , PIN CODE - 395004, the Katargam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC DCBL0000492 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | DCB Bank Limited |
|---|---|
| Branch | Katargam |
| IFSC Code | DCBL0000492 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DCB BANK LIMITED , KATARGAM RETAIL BRANCH , SHOP NO 5 & 6 ,GROUND FLOOR , MAHEK IT PARK , NEAR BADA GANESH TEMPLE KATARGAM , DISTRICT - SURAT , STATE - GUJARAT , PIN CODE - 395004 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| STD Code | 261 |
| Phone | 68997777 |
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 KATARGAM of DCB Bank Limited — its own 11-character IFSC. The code DCBL0000492 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 DCBL0000492 the same way you would treat your account number — verify it once and save it carefully for future use.
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 DCBL0000492 and the account number together uniquely identify the Katargam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC DCBL0000492
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 DCBL0000492 across all three.
NEFT to DCB Bank Limited, KATARGAM using IFSC DCBL0000492
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 DCBL0000492, and confirm that the system picks up DCB Bank Limited – KATARGAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC DCBL0000492
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to DCB Bank Limited – KATARGAM, ensure your bank's portal accepts IFSC DCBL0000492 while registering the beneficiary. RTGS is also available 24x7.
IMPS to DCB Bank Limited KATARGAM (IFSC DCBL0000492)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DCBL0000492 in your mobile or internet banking app, and the money is credited to the KATARGAM branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Katargam
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 DCBL0000492:
- 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 KATARGAM is still linked to IFSC DCBL0000492.
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 DCBL0000492
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 – KATARGAM is still mapped to IFSC DCBL0000492. 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 DCBL0000492 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Katargam branch is mapped to IFSC DCBL0000492 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 DCBL0000492.
Banking services available
The Katargam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-68997777.
- 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 DCBL0000492
Online banking and IFSC DCBL0000492
DCB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KATARGAM 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 DCBL0000492 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.
How to reach the Katargam branch
The branch is located at DCB BANK LIMITED , KATARGAM RETAIL BRANCH , SHOP NO 5 & 6 ,GROUND FLOOR , MAHEK IT PARK , NEAR BADA GANESH TEMPLE KATARGAM , DISTRICT - SURAT , STATE - GUJARAT , PIN CODE - 395004, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “DCB Bank Limited Katargam branch” — the verified location pin for IFSC DCBL0000492 should appear at the top of the results.
- Confirm the branch is open by calling 261-68997777 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC DCBL0000492 and your account number.
Common mistakes to avoid when using IFSC DCBL0000492
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 – KATARGAM, 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:
DCBL0000492. - 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 Katargam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DCBL0000492, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC DCBL0000492 for DCB Bank Limited – KATARGAM, 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 LimitedKatargam Branch
DCB BANK LIMITED , KATARGAM RETAIL BRANCH , SHOP NO 5 & 6 ,GROUND FLOOR , MAHEK IT PARK , NEAR BADA GANESH TEMPLE KATARGAM , DISTRICT - SURAT , STATE - GUJARAT , PIN CODE - 395004
Surat, Gujarat
Phone: 261-68997777
IFSC: DCBL0000492
Frequently asked questions
Can I use IFSC DCBL0000492 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC DCBL0000492 to send funds instantly.
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 Katargam branch but serve different purposes.
Does DCB Bank Limited Katargam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 261-68997777 to confirm.
What is the phone number of DCB Bank Limited Katargam branch?
You can reach the branch at 261-68997777 during regular banking hours.
How quickly will an NEFT transfer using DCBL0000492 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to DCB Bank Limited – Katargam reflect within 30 minutes.
Is IFSC DCBL0000492 the same for all accounts at Katargam branch?
Yes. The IFSC DCBL0000492 is shared by every account held at DCB Bank Limited's Katargam branch. Only the account number changes from customer to customer.
How do I add DCB Bank Limited Katargam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC DCBL0000492, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of DCB Bank Limited Katargam branch?
The IFSC code of DCB Bank Limited, Katargam branch is DCBL0000492. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code DCBL0000492 belongs to DCB Bank Limited's KATARGAM branch, located at DCB BANK LIMITED , KATARGAM RETAIL BRANCH , SHOP NO 5 & 6 ,GROUND FLOOR ,… in SURAT, 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.
