Use this page as a one-stop reference for everything related to DCB Bank Limited's UMERKOTE branch in UMERKOTE, ODISHA. The branch's IFSC code DCBL0000370 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.
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, DCBL0000370 is the IFSC of DCB Bank Limited's UMERKOTE branch. The format is fixed: DCBL = bank code, 0 = reserved, 000370 = branch identifier.
Branch details at a glance
| Bank Name | DCB Bank Limited |
|---|---|
| Branch | Umerkote |
| IFSC Code | DCBL0000370 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DCB BANK LIMITED , UMERKOTE BRANCH , GROUND FLOOR , MAIN ROAD , GULIPATNA STREET , UMERKOTE, DISTRIST - NABARANGAPUR , STATE - ODISHA , PIN - 764073 |
| City | Umerkote |
| District | Nabarangapur |
| State | Odisha |
| STD Code | 1800 |
| Phone | 2095363 |
Bank profile
DCB Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Umerkote branch — IFSC DCBL0000370 — extends the bank's services to customers in and around Umerkote, Odisha.
Umerkote branch overview
Located at DCB BANK LIMITED , UMERKOTE BRANCH , GROUND FLOOR , MAIN ROAD , GULIPATNA STREET , UMERKOTE, DISTRIST - NABARANGAPUR , STATE - ODISHA , PIN - 764073, the Umerkote branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC DCBL0000370 is required for all interbank electronic transfers routed through this branch.
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 UMERKOTE branch came to be assigned the code DCBL0000370.
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 DCBL0000370, money simply cannot be routed to the UMERKOTE branch electronically.
How to transfer money using IFSC DCBL0000370
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 DCBL0000370 across all three.
How to use IFSC DCBL0000370 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to DCB Bank Limited's UMERKOTE 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC DCBL0000370.
- Confirm the bank name auto-populates as DCB Bank Limited and the branch as UMERKOTE.
- 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 UMERKOTE
If you need to transfer ₹2 lakh or more in one go to an account at DCB Bank Limited's UMERKOTE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DCBL0000370 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 – UMERKOTE, use IMPS. With IFSC DCBL0000370 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 DCBL0000370 for DCB Bank Limited – UMERKOTE, 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 – DCBL0000370 | Yes – DCBL0000370 | Yes – DCBL0000370 |
For most retail customers crediting the Umerkote 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 DCBL0000370
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 – UMERKOTE is still mapped to IFSC DCBL0000370. 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 DCBL0000370 and the beneficiary's account number to complete the transfer.
Account types you can open at the Umerkote branch
Once you have an account at DCB Bank Limited – UMERKOTE, the IFSC DCBL0000370 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 Umerkote branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1800-2095363.
- 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 DCBL0000370
MICR & cheque-truncation details
Cheques drawn on the Umerkote branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC DCBL0000370 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC DCBL0000370
DCB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the UMERKOTE 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 DCBL0000370 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.
Common mistakes to avoid when using IFSC DCBL0000370
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 – UMERKOTE, 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:
DCBL0000370. - 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.
How to reach the Umerkote branch
The branch is located at DCB BANK LIMITED , UMERKOTE BRANCH , GROUND FLOOR , MAIN ROAD , GULIPATNA STREET , UMERKOTE, DISTRIST - NABARANGAPUR , STATE - ODISHA , PIN - 764073, which puts it inside Umerkote, the broader Nabarangapur district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “DCB Bank Limited Umerkote branch” — the verified location pin for IFSC DCBL0000370 should appear at the top of the results.
- Confirm the branch is open by calling 1800-2095363 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 DCBL0000370 and your account number.
Verifying IFSC DCBL0000370 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 DCBL0000370 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1800-2095363.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Umerkote 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 DCBL0000370 continue to work without interruption.
Branch address & contact
DCB Bank LimitedUmerkote Branch
DCB BANK LIMITED , UMERKOTE BRANCH , GROUND FLOOR , MAIN ROAD , GULIPATNA STREET , UMERKOTE, DISTRIST - NABARANGAPUR , STATE - ODISHA , PIN - 764073
Umerkote, Odisha
Phone: 1800-2095363
IFSC: DCBL0000370
Frequently asked questions
Is IFSC DCBL0000370 the same for all accounts at Umerkote branch?
Yes. The IFSC DCBL0000370 is shared by every account held at DCB Bank Limited's Umerkote branch. Only the account number changes from customer to customer.
Where is DCB Bank Limited Umerkote branch located?
DCB Bank Limited's Umerkote branch is located at DCB BANK LIMITED , UMERKOTE BRANCH , GROUND FLOOR , MAIN ROAD , GULIPATNA STREET , UMERKOTE, DISTRIST - NABARANGAPUR , STATE - ODISHA , PIN - 764073, Umerkote, Odisha.
How do I add DCB Bank Limited Umerkote as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC DCBL0000370, 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 Umerkote branch but serve different purposes.
Can I use IFSC DCBL0000370 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC DCBL0000370 to send funds instantly.
How quickly will an NEFT transfer using DCBL0000370 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to DCB Bank Limited – Umerkote reflect within 30 minutes.
Does DCB Bank Limited Umerkote branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800-2095363 to confirm.
Summary
The IFSC code DCBL0000370 belongs to DCB Bank Limited's UMERKOTE branch, located at DCB BANK LIMITED , UMERKOTE BRANCH , GROUND FLOOR , MAIN ROAD , GULIPATNA… in UMERKOTE, ODISHA. 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.
