IFSC Code of Dhanalakshmi Bank, Aryanad Branch, Kerala

Below are the complete branch details for Dhanalakshmi Bank, ARYANAD branch, located in ARYANAD, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is DLXB0000045. 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 DLXB0000045 for Dhanalakshmi Bank – ARYANAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 Dhanalakshmi Bank – ARYANAD is DLXB0000045. The first four letters DLXB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000045 map to this branch in ARYANAD, KERALA.

Branch details at a glance

About the bank

Dhanalakshmi Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Aryanad branch in Aryanad, Kerala is part of this network and uses the IFSC code DLXB0000045 for all electronic settlement.

About the Aryanad branch

The Aryanad branch of Dhanalakshmi Bank is situated at ARYANAD, AP 585, ARYANAD THIRUVANANTHAPURAM KERALA STATE, 695542. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code DLXB0000045 is used.

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 Dhanalakshmi Bank's ARYANAD branch came to be assigned the code DLXB0000045.

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 DLXB0000045, money simply cannot be routed to the ARYANAD branch electronically.

How to transfer money using IFSC DLXB0000045

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 DLXB0000045 across all three.

How to use IFSC DLXB0000045 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Dhanalakshmi Bank's ARYANAD 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 DLXB0000045.
4. Confirm the bank name auto-populates as Dhanalakshmi Bank and the branch as ARYANAD.
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 ARYANAD

If you need to transfer ₹2 lakh or more in one go to an account at Dhanalakshmi Bank's ARYANAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DLXB0000045 while initiating the transfer and the credit will appear within minutes.

IMPS to Dhanalakshmi Bank ARYANAD (IFSC DLXB0000045)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DLXB0000045 in your mobile or internet banking app, and the money is credited to the ARYANAD branch account within seconds.

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

All three modes accept the IFSC DLXB0000045 for Dhanalakshmi Bank – ARYANAD, 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 Aryanad 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 DLXB0000045

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 Dhanalakshmi Bank – ARYANAD is still mapped to IFSC DLXB0000045. 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 DLXB0000045 and the beneficiary's account number to complete the transfer.

Account types you can open at the Aryanad branch

Once you have an account at Dhanalakshmi Bank – ARYANAD, the IFSC DLXB0000045 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.

Products and services

Customers walking into the Aryanad branch can access most of Dhanalakshmi Bank'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 DLXB0000045

MICR & cheque-truncation details

Cheques drawn on the Aryanad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC DLXB0000045 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Aryanad branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC DLXB0000045 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Dhanalakshmi Bank – ARYANAD:

• The IFSC is exactly DLXB0000045 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Dhanalakshmi Bank as the bank name and ARYANAD as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Aryanad branch sits at ARYANAD, AP 585, ARYANAD THIRUVANANTHAPURAM KERALA STATE, 695542. If you are travelling from outside Aryanad, search for the branch on a maps application using the bank name and locality, or call 472-2852036 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 DLXB0000045 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC DLXB0000045 for Dhanalakshmi Bank – ARYANAD, 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.

Working hours

Branch counters at Aryanad 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 DLXB0000045 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code DLXB0000045 belongs to Dhanalakshmi Bank's ARYANAD branch, located at ARYANAD, AP 585, ARYANAD THIRUVANANTHAPURAM KERALA STATE, 695542 in ARYANAD, KERALA. 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.