IFSC Code of Dhanalakshmi Bank, Punalur Branch, Kerala

If you are searching for the IFSC code of Dhanalakshmi Bank, PUNALUR branch in PUNALUR, KERALA, this page has every detail you need. The verified IFSC code for this branch is DLXB0000205. 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 PUNALUR branch, and detailed step-by-step guides for using the IFSC DLXB0000205 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, DLXB0000205 is the IFSC of Dhanalakshmi Bank's PUNALUR branch. The format is fixed: DLXB = bank code, 0 = reserved, 000205 = branch identifier.

Branch details at a glance

Bank profile

Dhanalakshmi Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Punalur branch — IFSC DLXB0000205 — extends the bank's services to customers in and around Punalur, Kerala.

Punalur branch overview

Located at GROUND FLOOR, UNION BUILDING, ANCHAL ROAD, PUNALUR, KERALA - 691 305, the Punalur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC DLXB0000205 is required for all interbank electronic transfers routed through this branch.

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 PUNALUR branch came to be assigned the code DLXB0000205.

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 DLXB0000205, money simply cannot be routed to the PUNALUR branch electronically.

How to transfer money using IFSC DLXB0000205

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 DLXB0000205 across all three.

NEFT to Dhanalakshmi Bank, PUNALUR using IFSC DLXB0000205

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 DLXB0000205, and confirm that the system picks up Dhanalakshmi Bank – PUNALUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC DLXB0000205

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 – PUNALUR, ensure your bank's portal accepts IFSC DLXB0000205 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Dhanalakshmi Bank PUNALUR (IFSC DLXB0000205)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DLXB0000205 in your mobile or internet banking app, and the money is credited to the PUNALUR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC DLXB0000205 for Dhanalakshmi Bank – PUNALUR, 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.

For most retail customers crediting the Punalur 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.

UPI payments and IFSC DLXB0000205

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 – PUNALUR is still mapped to IFSC DLXB0000205. 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 DLXB0000205 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Punalur branch is mapped to IFSC DLXB0000205 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 DLXB0000205.

Banking services available

The Punalur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9287215999.

• 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 DLXB0000205

MICR & cheque-truncation details

Cheques drawn on the Punalur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC DLXB0000205 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Punalur 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 DLXB0000205 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 DLXB0000205

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 – PUNALUR, 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: DLXB0000205.
• 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 Punalur branch sits at GROUND FLOOR, UNION BUILDING, ANCHAL ROAD, PUNALUR, KERALA - 691 305. If you are travelling from outside Punalur, search for the branch on a maps application using the bank name and locality, or call 9287215999 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 DLXB0000205 and your account number.

Verifying IFSC DLXB0000205 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 DLXB0000205 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9287215999.
• 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 Punalur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DLXB0000205, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code DLXB0000205 belongs to Dhanalakshmi Bank's PUNALUR branch, located at GROUND FLOOR, UNION BUILDING, ANCHAL ROAD, PUNALUR, KERALA - 691 305 in PUNALUR, 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.