IFSC Code of Dhanalakshmi Bank, Salt Lake City Branch, West Bengal

This page lists the IFSC code, branch address, contact number and fund-transfer information for Dhanalakshmi Bank, SALT LAKE CITY branch in KOLKATA. The 11-digit IFSC DLXB0000186 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 SALT LAKE CITY 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 – SALT LAKE CITY is DLXB0000186. The first four letters DLXB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000186 map to this branch in KOLKATA, WEST BENGAL.

About the bank

Dhanalakshmi Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Salt Lake City branch in Kolkata, West Bengal is part of this network and uses the IFSC code DLXB0000186 for all electronic settlement.

Branch details at a glance

About the Salt Lake City branch

The Salt Lake City branch of Dhanalakshmi Bank is situated at PLOT NO. 88, BLOCK BE, SECTOR - 1, SALT LAKE CITY, KOLKATA - 700 064.. 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 DLXB0000186 is used.

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 SALT LAKE CITY of Dhanalakshmi Bank — its own 11-character IFSC. The code DLXB0000186 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 DLXB0000186 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 Salt Lake City branch is mapped to IFSC DLXB0000186 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 DLXB0000186.

Banking services available

The Salt Lake City branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-64990588.

• 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 DLXB0000186

How to transfer money using IFSC DLXB0000186

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 DLXB0000186 across all three.

NEFT to Dhanalakshmi Bank, SALT LAKE CITY using IFSC DLXB0000186

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 DLXB0000186, and confirm that the system picks up Dhanalakshmi Bank – SALT LAKE CITY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SALT LAKE CITY

If you need to transfer ₹2 lakh or more in one go to an account at Dhanalakshmi Bank's SALT LAKE CITY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DLXB0000186 while initiating the transfer and the credit will appear within minutes.

IMPS to Dhanalakshmi Bank SALT LAKE CITY (IFSC DLXB0000186)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DLXB0000186 in your mobile or internet banking app, and the money is credited to the SALT LAKE CITY branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Salt Lake City

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 DLXB0000186:

• 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 SALT LAKE CITY is still linked to IFSC DLXB0000186.

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 DLXB0000186

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 – SALT LAKE CITY is still mapped to IFSC DLXB0000186. 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 DLXB0000186 and the beneficiary's account number to complete the transfer.

Online banking and IFSC DLXB0000186

Dhanalakshmi Bank customers can register for net banking and the bank's official mobile app once their account at the SALT LAKE CITY 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 DLXB0000186 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.

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 DLXB0000186 and the account number together uniquely identify the Salt Lake City branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC DLXB0000186

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 – SALT LAKE CITY, 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: DLXB0000186.
• 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 Salt Lake City branch

The branch is located at PLOT NO. 88, BLOCK BE, SECTOR - 1, SALT LAKE CITY, KOLKATA - 700 064., which puts it inside Kolkata, the broader Kolkata district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Dhanalakshmi Bank Salt Lake City branch” — the verified location pin for IFSC DLXB0000186 should appear at the top of the results.
2. Confirm the branch is open by calling 33-64990588 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 DLXB0000186 and your account number.

Verifying IFSC DLXB0000186 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 DLXB0000186 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 33-64990588.
• 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 Salt Lake City branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DLXB0000186, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: DLXB0000186 is the IFSC code of Dhanalakshmi Bank, SALT LAKE CITY branch, in KOLKATA, WEST BENGAL. 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.