IFSC Code of Dhanalakshmi Bank, Kainakary Branch, Kerala

If you are searching for the IFSC code of Dhanalakshmi Bank, KAINAKARY branch in KAINAKARY, KERALA, this page has every detail you need. The verified IFSC code for this branch is DLXB0000035. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KAINAKARY branch, and detailed step-by-step guides for using the IFSC DLXB0000035 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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, DLXB0000035 is the IFSC of Dhanalakshmi Bank's KAINAKARY branch. The format is fixed: DLXB = bank code, 0 = reserved, 000035 = branch identifier.

About Dhanalakshmi Bank

Dhanalakshmi Bank operates a wide network of branches across India, including the Kainakary branch in Kainakary. 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, DLXB0000035.

About the Kainakary branch

The Kainakary branch of Dhanalakshmi Bank is situated at BUILDING NO 96/5, KAINAKARI ALAPUZHA DIST. KAINAKARI, KERALA, 688501. 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 DLXB0000035 is used.

Branch details at a glance

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 KAINAKARY branch came to be assigned the code DLXB0000035.

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 DLXB0000035, money simply cannot be routed to the KAINAKARY branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Dhanalakshmi Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC DLXB0000035 and the account number together uniquely identify the Kainakary branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC DLXB0000035

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 DLXB0000035 across all three.

NEFT to Dhanalakshmi Bank, KAINAKARY using IFSC DLXB0000035

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 DLXB0000035, and confirm that the system picks up Dhanalakshmi Bank – KAINAKARY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KAINAKARY

If you need to transfer ₹2 lakh or more in one go to an account at Dhanalakshmi Bank's KAINAKARY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DLXB0000035 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 – KAINAKARY, use IMPS. With IFSC DLXB0000035 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 DLXB0000035 for Dhanalakshmi Bank – KAINAKARY, 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 Kainakary 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Dhanalakshmi Bank's KAINAKARY branch, the IFSC DLXB0000035 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Kainakary branch

Once you have an account at Dhanalakshmi Bank – KAINAKARY, the IFSC DLXB0000035 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 Kainakary branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 477-6451327.

• 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 DLXB0000035

Online banking and IFSC DLXB0000035

Dhanalakshmi Bank customers can register for net banking and the bank's official mobile app once their account at the KAINAKARY 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 DLXB0000035 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.

Reaching the branch

The Kainakary branch sits at BUILDING NO 96/5, KAINAKARI ALAPUZHA DIST. KAINAKARI, KERALA, 688501. If you are travelling from outside Kainakary, search for the branch on a maps application using the bank name and locality, or call 477-6451327 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 DLXB0000035 and your account number.

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 – KAINAKARY:

• The IFSC is exactly DLXB0000035 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 KAINAKARY 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.

Working hours

Branch counters at Kainakary 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 DLXB0000035 continue to work without interruption.

Verifying IFSC DLXB0000035 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 DLXB0000035 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 477-6451327.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: DLXB0000035 is the IFSC code of Dhanalakshmi Bank, KAINAKARY branch, in KAINAKARY, KERALA. 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.