IFSC Code of Dhanalakshmi Bank, Jagdishpur Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Dhanalakshmi Bank, JAGDISHPUR branch in JAGDISHPUR. The 11-digit IFSC DLXB0000221 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 Dhanalakshmi Bank at the JAGDISHPUR 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 Dhanalakshmi Bank – JAGDISHPUR is DLXB0000221. The first four letters DLXB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000221 map to this branch in JAGDISHPUR, UTTAR PRADESH.

About the bank

Dhanalakshmi Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Jagdishpur branch in Jagdishpur, Uttar Pradesh is part of this network and uses the IFSC code DLXB0000221 for all electronic settlement.

Branch details at a glance

Jagdishpur branch overview

Located at NEW BUILDING, GROUND FLOOR, SHANTI MARKET, GT ROAD, JAGDISHPUR - 227809, the Jagdishpur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC DLXB0000221 is required for all interbank electronic transfers routed through this branch.

Why every Dhanalakshmi Bank 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 JAGDISHPUR of Dhanalakshmi Bank — its own 11-character IFSC. The code DLXB0000221 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 DLXB0000221 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Jagdishpur branch is mapped to IFSC DLXB0000221 on the RBI payments network. The branch generally supports the full retail product catalogue of Dhanalakshmi Bank, 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 DLXB0000221.

Products and services

Customers walking into the Jagdishpur 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 DLXB0000221

How to transfer money using IFSC DLXB0000221

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 DLXB0000221 across all three.

How to use IFSC DLXB0000221 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Dhanalakshmi Bank's JAGDISHPUR 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 DLXB0000221.
4. Confirm the bank name auto-populates as Dhanalakshmi Bank and the branch as JAGDISHPUR.
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 JAGDISHPUR

If you need to transfer ₹2 lakh or more in one go to an account at Dhanalakshmi Bank's JAGDISHPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DLXB0000221 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Dhanalakshmi Bank – JAGDISHPUR, use IMPS. With IFSC DLXB0000221 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Jagdishpur

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 DLXB0000221:

• 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 JAGDISHPUR is still linked to IFSC DLXB0000221.

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 DLXB0000221

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 – JAGDISHPUR is still mapped to IFSC DLXB0000221. 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 DLXB0000221 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Jagdishpur 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 DLXB0000221 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.

MICR & cheque-truncation details

Cheques drawn on the Jagdishpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC DLXB0000221 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – JAGDISHPUR:

• The IFSC is exactly DLXB0000221 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 JAGDISHPUR 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.

How to reach the Jagdishpur branch

The branch is located at NEW BUILDING, GROUND FLOOR, SHANTI MARKET, GT ROAD, JAGDISHPUR - 227809, which puts it inside Jagdishpur, the broader Jagdishpur district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Dhanalakshmi Bank Jagdishpur branch” — the verified location pin for IFSC DLXB0000221 should appear at the top of the results.
2. Confirm the branch is open by calling 923-5409029 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 DLXB0000221 and your account number.

Verifying IFSC DLXB0000221 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 DLXB0000221 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 923-5409029.
• Visiting the bank's official branch locator page.

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 Jagdishpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DLXB0000221, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: DLXB0000221 is the IFSC code of Dhanalakshmi Bank, JAGDISHPUR branch, in JAGDISHPUR, UTTAR 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.