IFSC Code of Dhanalakshmi Bank, Kongad Branch, Kerala

Below are the complete branch details for Dhanalakshmi Bank, KONGAD branch, located in KONGAD, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is DLXB0000026. 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 DLXB0000026 for Dhanalakshmi Bank – KONGAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, DLXB0000026 is the IFSC of Dhanalakshmi Bank's KONGAD branch. The format is fixed: DLXB = bank code, 0 = reserved, 000026 = branch identifier.

About Dhanalakshmi Bank

Dhanalakshmi Bank operates a wide network of branches across India, including the Kongad branch in Kongad. 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, DLXB0000026.

Kongad branch overview

Located at 840/12, GROUND FLOOR NAKSHATRA COMPLEX, MAIN ROAD KONGAD, KONGAD POST, PALAKKAD DISTRICT, KERALA, PIN. 678631, the Kongad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC DLXB0000026 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 KONGAD of Dhanalakshmi Bank — its own 11-character IFSC. The code DLXB0000026 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 DLXB0000026 the same way you would treat your account number — verify it once and save it carefully for future use.

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 DLXB0000026 and the account number together uniquely identify the Kongad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC DLXB0000026

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 DLXB0000026 across all three.

NEFT to Dhanalakshmi Bank, KONGAD using IFSC DLXB0000026

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 DLXB0000026, and confirm that the system picks up Dhanalakshmi Bank – KONGAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC DLXB0000026

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Dhanalakshmi Bank – KONGAD, ensure your bank's portal accepts IFSC DLXB0000026 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Dhanalakshmi Bank KONGAD (IFSC DLXB0000026)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DLXB0000026 in your mobile or internet banking app, and the money is credited to the KONGAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kongad

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 DLXB0000026:

• 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 KONGAD is still linked to IFSC DLXB0000026.

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 DLXB0000026

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 – KONGAD is still mapped to IFSC DLXB0000026. 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 DLXB0000026 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kongad branch is mapped to IFSC DLXB0000026 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 DLXB0000026.

Products and services

Customers walking into the Kongad 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 DLXB0000026

Online banking and IFSC DLXB0000026

Dhanalakshmi Bank customers can register for net banking and the bank's official mobile app once their account at the KONGAD 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 DLXB0000026 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 Kongad branch sits at 840/12, GROUND FLOOR NAKSHATRA COMPLEX, MAIN ROAD KONGAD, KONGAD POST, PALAKKAD DISTRICT, KERALA, PIN. 678631. If you are travelling from outside Kongad, search for the branch on a maps application using the bank name and locality, or call 491-6452278 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 DLXB0000026 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 – KONGAD:

• The IFSC is exactly DLXB0000026 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 KONGAD 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.

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 Kongad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DLXB0000026, however, work 24x7.

Verifying IFSC DLXB0000026 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 DLXB0000026 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 491-6452278.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code DLXB0000026 belongs to Dhanalakshmi Bank's KONGAD branch, located at 840/12, GROUND FLOOR NAKSHATRA COMPLEX, MAIN ROAD KONGAD, KONGAD POST,… in KONGAD, 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.