IFSC Code of Dhanalakshmi Bank, Pandalam Branch, Kerala

Below are the complete branch details for Dhanalakshmi Bank, PANDALAM branch, located in PATHANAMTHITTA, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is DLXB0000163. 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 DLXB0000163 for Dhanalakshmi Bank – PANDALAM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Dhanalakshmi Bank's PANDALAM branch, the IFSC DLXB0000163 breaks down as follows: DLXB identifies the bank, 0 is the reserved character, and 000163 identifies this particular branch.

About the bank

Dhanalakshmi Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Pandalam branch in Pathanamthitta, Kerala is part of this network and uses the IFSC code DLXB0000163 for all electronic settlement.

About this branch

The branch is located at GROUND FLOOR, MAR THOMA STUDENTS CENTRE, OPP NSS COLLEGE. It serves the Pathanamthitta 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 DLXB0000163 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 PANDALAM branch came to be assigned the code DLXB0000163.

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 DLXB0000163, money simply cannot be routed to the PANDALAM 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 DLXB0000163 and the account number together uniquely identify the Pandalam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC DLXB0000163

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 DLXB0000163 across all three.

How to use IFSC DLXB0000163 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Dhanalakshmi Bank's PANDALAM 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 DLXB0000163.
4. Confirm the bank name auto-populates as Dhanalakshmi Bank and the branch as PANDALAM.
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 PANDALAM

If you need to transfer ₹2 lakh or more in one go to an account at Dhanalakshmi Bank's PANDALAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DLXB0000163 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Dhanalakshmi Bank – PANDALAM, use IMPS. With IFSC DLXB0000163 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Pandalam

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 DLXB0000163:

• 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 PANDALAM is still linked to IFSC DLXB0000163.

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 DLXB0000163

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 – PANDALAM is still mapped to IFSC DLXB0000163. 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 DLXB0000163 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Pandalam branch is mapped to IFSC DLXB0000163 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 DLXB0000163.

Banking services available

The Pandalam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 473-4254201.

• 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 DLXB0000163

Online banking and IFSC DLXB0000163

Dhanalakshmi Bank customers can register for net banking and the bank's official mobile app once their account at the PANDALAM 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 DLXB0000163 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.

How to reach the Pandalam branch

The branch is located at GROUND FLOOR, MAR THOMA STUDENTS CENTRE, OPP NSS COLLEGE, which puts it inside Pathanamthitta, the broader Pathanamthitta district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Dhanalakshmi Bank Pandalam branch” — the verified location pin for IFSC DLXB0000163 should appear at the top of the results.
2. Confirm the branch is open by calling 473-4254201 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 DLXB0000163 and your account number.

Common mistakes to avoid when using IFSC DLXB0000163

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 – PANDALAM, 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: DLXB0000163.
• 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 Pandalam 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 DLXB0000163 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC DLXB0000163 for Dhanalakshmi Bank – PANDALAM, 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

Final notes

To recap: DLXB0000163 is the IFSC code of Dhanalakshmi Bank, PANDALAM branch, in PATHANAMTHITTA, 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.