Use this page as a one-stop reference for everything related to Dhanalakshmi Bank's KOPPAM branch in KOPPAM, KERALA. The branch's IFSC code DLXB0000079 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, DLXB0000079 is the IFSC of Dhanalakshmi Bank's KOPPAM branch. The format is fixed: DLXB = bank code, 0 = reserved, 000079 = branch identifier.
Branch details at a glance
| Bank Name | Dhanalakshmi Bank |
|---|---|
| Branch | Koppam |
| IFSC Code | DLXB0000079 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KOPPAM, PULASSERY, KOPPAM VILLAGE PALAKKAD DIST , KERALA, 679307 |
| City | Koppam |
| District | Koppam |
| State | Kerala |
| Phone | 9287276511 |
About Dhanalakshmi Bank
Dhanalakshmi Bank operates a wide network of branches across India, including the Koppam branch in Koppam. 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, DLXB0000079.
About the Koppam branch
The Koppam branch of Dhanalakshmi Bank is situated at KOPPAM, PULASSERY, KOPPAM VILLAGE PALAKKAD DIST , KERALA, 679307. 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 DLXB0000079 is used.
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 KOPPAM branch came to be assigned the code DLXB0000079.
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 DLXB0000079, money simply cannot be routed to the KOPPAM branch electronically.
How to transfer money using IFSC DLXB0000079
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 DLXB0000079 across all three.
NEFT to Dhanalakshmi Bank, KOPPAM using IFSC DLXB0000079
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 DLXB0000079, and confirm that the system picks up Dhanalakshmi Bank – KOPPAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC DLXB0000079
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 – KOPPAM, ensure your bank's portal accepts IFSC DLXB0000079 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Dhanalakshmi Bank – KOPPAM, use IMPS. With IFSC DLXB0000079 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 DLXB0000079 for Dhanalakshmi Bank – KOPPAM, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – DLXB0000079 | Yes – DLXB0000079 | Yes – DLXB0000079 |
For most retail customers crediting the Koppam 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 KOPPAM branch, the IFSC DLXB0000079 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.
Products and account variants supported
Every account opened at the Koppam branch is mapped to IFSC DLXB0000079 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 DLXB0000079.
Products and services
Customers walking into the Koppam 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 DLXB0000079
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 DLXB0000079 and the account number together uniquely identify the Koppam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Koppam 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 DLXB0000079 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.
Common mistakes to avoid when using IFSC DLXB0000079
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 – KOPPAM, 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:
DLXB0000079. - 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.
Reaching the branch
The Koppam branch sits at KOPPAM, PULASSERY, KOPPAM VILLAGE PALAKKAD DIST , KERALA, 679307. If you are travelling from outside Koppam, search for the branch on a maps application using the bank name and locality, or call 9287276511 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 DLXB0000079 and your account number.
Verifying IFSC DLXB0000079 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 DLXB0000079 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9287276511.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Koppam 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 DLXB0000079 continue to work without interruption.
Branch address & contact
Dhanalakshmi BankKoppam Branch
KOPPAM, PULASSERY, KOPPAM VILLAGE PALAKKAD DIST , KERALA, 679307
Koppam, Kerala
Phone: 9287276511
IFSC: DLXB0000079
Frequently asked questions
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Koppam branch but serve different purposes.
What is the IFSC code of Dhanalakshmi Bank Koppam branch?
The IFSC code of Dhanalakshmi Bank, Koppam branch is DLXB0000079. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Dhanalakshmi Bank Koppam branch?
You can reach the branch at 9287276511 during regular banking hours.
Is IFSC DLXB0000079 the same for all accounts at Koppam branch?
Yes. The IFSC DLXB0000079 is shared by every account held at Dhanalakshmi Bank's Koppam branch. Only the account number changes from customer to customer.
Can I use IFSC DLXB0000079 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC DLXB0000079 to send funds instantly.
Where is Dhanalakshmi Bank Koppam branch located?
Dhanalakshmi Bank's Koppam branch is located at KOPPAM, PULASSERY, KOPPAM VILLAGE PALAKKAD DIST , KERALA, 679307, Koppam, Kerala.
Is IFSC DLXB0000079 valid for NEFT and RTGS?
Yes. IFSC DLXB0000079 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Dhanalakshmi Bank Koppam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9287276511 to confirm.
Summary
The IFSC code DLXB0000079 belongs to Dhanalakshmi Bank's KOPPAM branch, located at KOPPAM, PULASSERY, KOPPAM VILLAGE PALAKKAD DIST , KERALA, 679307 in KOPPAM, 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.
