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

Below are the complete branch details for DCB Bank Limited, VISAKHAPATNAM branch, located in VISAKHAPATNAM, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is DCBL0000197. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case DCBL0000197 for DCB Bank Limited – VISAKHAPATNAM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, DCBL0000197 is the IFSC of DCB Bank Limited's VISAKHAPATNAM branch. The format is fixed: DCBL = bank code, 0 = reserved, 000197 = branch identifier.

Branch details at a glance

Bank profile

DCB Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Visakhapatnam branch — IFSC DCBL0000197 — extends the bank's services to customers in and around Visakhapatnam, Andhra Pradesh.

About this branch

The branch is located at DCB BANK LTD,SHOP NO.2, DOOR NO 47-14-10,GROUND FLOOR,VIDISHA TOWER,DWARKANAGAR,VISAKHAPATNAM 530016. It serves the Visakhapatnam 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 DCBL0000197 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 VISAKHAPATNAM branch came to be assigned the code DCBL0000197.

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 DCBL0000197, money simply cannot be routed to the VISAKHAPATNAM branch electronically.

How to transfer money using IFSC DCBL0000197

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 DCBL0000197 across all three.

NEFT to DCB Bank Limited, VISAKHAPATNAM using IFSC DCBL0000197

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 DCBL0000197, and confirm that the system picks up DCB Bank Limited – VISAKHAPATNAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC DCBL0000197

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 – VISAKHAPATNAM, ensure your bank's portal accepts IFSC DCBL0000197 while registering the beneficiary. RTGS is also available 24x7.

IMPS to DCB Bank Limited VISAKHAPATNAM (IFSC DCBL0000197)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DCBL0000197 in your mobile or internet banking app, and the money is credited to the VISAKHAPATNAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Visakhapatnam

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 DCBL0000197:

• 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 VISAKHAPATNAM is still linked to IFSC DCBL0000197.

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 DCBL0000197

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 – VISAKHAPATNAM is still mapped to IFSC DCBL0000197. 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 DCBL0000197 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Visakhapatnam branch is mapped to IFSC DCBL0000197 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 DCBL0000197.

Banking services available

The Visakhapatnam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9849666839.

• 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 DCBL0000197

MICR & cheque-truncation details

Cheques drawn on the Visakhapatnam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC DCBL0000197 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC DCBL0000197

DCB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VISAKHAPATNAM 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 DCBL0000197 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 DCBL0000197

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 – VISAKHAPATNAM, 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: DCBL0000197.
• 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 Visakhapatnam branch

The branch is located at DCB BANK LTD,SHOP NO.2, DOOR NO 47-14-10,GROUND FLOOR,VIDISHA TOWER,DWARKANAGAR,VISAKHAPATNAM 530016, which puts it inside Visakhapatnam, the broader Visakhapatnam district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “DCB Bank Limited Visakhapatnam branch” — the verified location pin for IFSC DCBL0000197 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9849666839 before stepping out, especially around public holidays.
3. 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 DCBL0000197 and your account number.

Verifying IFSC DCBL0000197 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 DCBL0000197 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9849666839.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Visakhapatnam 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 DCBL0000197 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code DCBL0000197 belongs to DCB Bank Limited's VISAKHAPATNAM branch, located at DCB BANK LTD,SHOP NO.2, DOOR NO 47-14-10,GROUND FLOOR,VIDISHA… in VISAKHAPATNAM, ANDHRA PRADESH. 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.