IFSC Code of Dhanalakshmi Bank, Ekm-Palarivattom Branch, Kerala

Below are the complete branch details for Dhanalakshmi Bank, EKM-PALARIVATTOM branch, located in KOCHI, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is DLXB0000038. 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 DLXB0000038 for Dhanalakshmi Bank – EKM-PALARIVATTOM — 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 – EKM-PALARIVATTOM is DLXB0000038. The first four letters DLXB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000038 map to this branch in KOCHI, KERALA.

About the bank

Dhanalakshmi Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ekm-Palarivattom branch in Kochi, Kerala is part of this network and uses the IFSC code DLXB0000038 for all electronic settlement.

About this branch

The branch is located at GROUND FLOOR,K M M BUILDI 32/2383 A-1,OP.KSEB OFFIC S N JUNCTION PALARIVATTOM ERNAMKULAM. It serves the Kochi region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Dhanalakshmi Bank. The IFSC DLXB0000038 is used to identify this branch on the RBI payments network.

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 EKM-PALARIVATTOM branch came to be assigned the code DLXB0000038.

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 DLXB0000038, money simply cannot be routed to the EKM-PALARIVATTOM 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 DLXB0000038 and the account number together uniquely identify the Ekm-Palarivattom branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC DLXB0000038

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 DLXB0000038 across all three.

How to use IFSC DLXB0000038 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Dhanalakshmi Bank's EKM-PALARIVATTOM 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 DLXB0000038.
4. Confirm the bank name auto-populates as Dhanalakshmi Bank and the branch as EKM-PALARIVATTOM.
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 EKM-PALARIVATTOM

If you need to transfer ₹2 lakh or more in one go to an account at Dhanalakshmi Bank's EKM-PALARIVATTOM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DLXB0000038 while initiating the transfer and the credit will appear within minutes.

IMPS to Dhanalakshmi Bank EKM-PALARIVATTOM (IFSC DLXB0000038)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DLXB0000038 in your mobile or internet banking app, and the money is credited to the EKM-PALARIVATTOM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ekm-Palarivattom

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 DLXB0000038:

• 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 EKM-PALARIVATTOM is still linked to IFSC DLXB0000038.

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 DLXB0000038

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 – EKM-PALARIVATTOM is still mapped to IFSC DLXB0000038. 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 DLXB0000038 and the beneficiary's account number to complete the transfer.

Account types you can open at the Ekm-Palarivattom branch

Once you have an account at Dhanalakshmi Bank – EKM-PALARIVATTOM, the IFSC DLXB0000038 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 Ekm-Palarivattom 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 DLXB0000038

Online banking and IFSC DLXB0000038

Dhanalakshmi Bank customers can register for net banking and the bank's official mobile app once their account at the EKM-PALARIVATTOM 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 DLXB0000038 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 Ekm-Palarivattom branch sits at GROUND FLOOR,K M M BUILDI 32/2383 A-1,OP.KSEB OFFIC S N JUNCTION PALARIVATTOM ERNAMKULAM. If you are travelling from outside Kochi, search for the branch on a maps application using the bank name and locality, or call 484-6453440 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 DLXB0000038 and your account number.

Common mistakes to avoid when using IFSC DLXB0000038

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 Dhanalakshmi Bank – EKM-PALARIVATTOM, 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: DLXB0000038.
• 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.

Working hours

Branch counters at Ekm-Palarivattom 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 DLXB0000038 continue to work without interruption.

Verifying IFSC DLXB0000038 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 DLXB0000038 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 484-6453440.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: DLXB0000038 is the IFSC code of Dhanalakshmi Bank, EKM-PALARIVATTOM branch, in KOCHI, 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.