IFSC Code of Dhanalakshmi Bank, Ottappalam Branch, Kerala

If you are searching for the IFSC code of Dhanalakshmi Bank, OTTAPPALAM branch in OTTAPALAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is DLXB0000114. 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 OTTAPPALAM branch, and detailed step-by-step guides for using the IFSC DLXB0000114 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, DLXB0000114 is the IFSC of Dhanalakshmi Bank's OTTAPPALAM branch. The format is fixed: DLXB = bank code, 0 = reserved, 000114 = branch identifier.

About Dhanalakshmi Bank

Dhanalakshmi Bank operates a wide network of branches across India, including the Ottappalam branch in Ottapalam. 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, DLXB0000114.

About this branch

The branch is located at V/421 , MAIN ROAD P.B. NO 18 OTTAPALAM PALAKKAD DIST. It serves the Ottapalam 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 DLXB0000114 is used to identify this branch on the RBI payments network.

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 OTTAPPALAM of Dhanalakshmi Bank — its own 11-character IFSC. The code DLXB0000114 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 DLXB0000114 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Ottappalam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC DLXB0000114 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC DLXB0000114

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 DLXB0000114 across all three.

How to use IFSC DLXB0000114 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Dhanalakshmi Bank's OTTAPPALAM 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 DLXB0000114.
4. Confirm the bank name auto-populates as Dhanalakshmi Bank and the branch as OTTAPPALAM.
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 OTTAPPALAM

If you need to transfer ₹2 lakh or more in one go to an account at Dhanalakshmi Bank's OTTAPPALAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DLXB0000114 while initiating the transfer and the credit will appear within minutes.

IMPS to Dhanalakshmi Bank OTTAPPALAM (IFSC DLXB0000114)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DLXB0000114 in your mobile or internet banking app, and the money is credited to the OTTAPPALAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ottappalam

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 DLXB0000114:

• 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 OTTAPPALAM is still linked to IFSC DLXB0000114.

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.

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 OTTAPPALAM branch, the IFSC DLXB0000114 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 Ottappalam branch

Once you have an account at Dhanalakshmi Bank – OTTAPPALAM, the IFSC DLXB0000114 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 Ottappalam 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 DLXB0000114

Digital banking channels

Most day-to-day work that customers used to do at the Ottappalam 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 DLXB0000114 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.

Reaching the branch

The Ottappalam branch sits at V/421 , MAIN ROAD P.B. NO 18 OTTAPALAM PALAKKAD DIST. If you are travelling from outside Ottapalam, search for the branch on a maps application using the bank name and locality, or call 9287276544 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 DLXB0000114 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 – OTTAPPALAM:

• The IFSC is exactly DLXB0000114 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 OTTAPPALAM 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 Ottappalam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DLXB0000114, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC DLXB0000114 for Dhanalakshmi Bank – OTTAPPALAM, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code DLXB0000114 belongs to Dhanalakshmi Bank's OTTAPPALAM branch, located at V/421 , MAIN ROAD P.B. NO 18 OTTAPALAM PALAKKAD DIST in OTTAPALAM, 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.