Below are the complete branch details for Dhanalakshmi Bank, VAIKOM branch, located in VAIKOM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is DLXB0000048. 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 DLXB0000048 for Dhanalakshmi Bank – VAIKOM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Dhanalakshmi Bank – VAIKOM is DLXB0000048. The first four letters DLXB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000048 map to this branch in VAIKOM, KERALA.
Branch details at a glance
| Bank Name | Dhanalakshmi Bank |
|---|---|
| Branch | Vaikom |
| IFSC Code | DLXB0000048 |
| MICR Code | Refer to cheque leaf |
| Branch Address | P.B.NO 1 VAIKOM KOTTAYAM KERALA |
| City | Vaikom |
| District | Vaikom |
| State | Kerala |
| Phone | 9287276764 |
Bank profile
Dhanalakshmi Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Vaikom branch — IFSC DLXB0000048 — extends the bank's services to customers in and around Vaikom, Kerala.
About this branch
The branch is located at P.B.NO 1 VAIKOM KOTTAYAM KERALA. It serves the Vaikom 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 DLXB0000048 is used to identify this branch on the RBI payments network.
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 VAIKOM branch came to be assigned the code DLXB0000048.
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 DLXB0000048, money simply cannot be routed to the VAIKOM branch electronically.
How to transfer money using IFSC DLXB0000048
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 DLXB0000048 across all three.
NEFT to Dhanalakshmi Bank, VAIKOM using IFSC DLXB0000048
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 DLXB0000048, and confirm that the system picks up Dhanalakshmi Bank – VAIKOM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to VAIKOM
If you need to transfer ₹2 lakh or more in one go to an account at Dhanalakshmi Bank's VAIKOM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DLXB0000048 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 – VAIKOM, use IMPS. With IFSC DLXB0000048 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 DLXB0000048 for Dhanalakshmi Bank – VAIKOM, 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 – DLXB0000048 | Yes – DLXB0000048 | Yes – DLXB0000048 |
For most retail customers crediting the Vaikom 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 VAIKOM branch, the IFSC DLXB0000048 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 Vaikom branch is mapped to IFSC DLXB0000048 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 DLXB0000048.
Products and services
Customers walking into the Vaikom 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 DLXB0000048
MICR & cheque-truncation details
Cheques drawn on the Vaikom branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC DLXB0000048 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC DLXB0000048
Dhanalakshmi Bank customers can register for net banking and the bank's official mobile app once their account at the VAIKOM 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 DLXB0000048 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.
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 – VAIKOM:
- The IFSC is exactly DLXB0000048 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 VAIKOM 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.
Reaching the branch
The Vaikom branch sits at P.B.NO 1 VAIKOM KOTTAYAM KERALA. If you are travelling from outside Vaikom, search for the branch on a maps application using the bank name and locality, or call 9287276764 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 DLXB0000048 and your account number.
Verifying IFSC DLXB0000048 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 DLXB0000048 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9287276764.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Vaikom 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 DLXB0000048 continue to work without interruption.
Branch address & contact
Dhanalakshmi BankVaikom Branch
P.B.NO 1 VAIKOM KOTTAYAM KERALA
Vaikom, Kerala
Phone: 9287276764
IFSC: DLXB0000048
Frequently asked questions
Is IFSC DLXB0000048 valid for NEFT and RTGS?
Yes. IFSC DLXB0000048 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Dhanalakshmi Bank Vaikom branch located?
Dhanalakshmi Bank's Vaikom branch is located at P.B.NO 1 VAIKOM KOTTAYAM KERALA, Vaikom, Kerala.
Is IFSC DLXB0000048 the same for all accounts at Vaikom branch?
Yes. The IFSC DLXB0000048 is shared by every account held at Dhanalakshmi Bank's Vaikom branch. Only the account number changes from customer to customer.
How do I add Dhanalakshmi Bank Vaikom as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC DLXB0000048, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC DLXB0000048 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC DLXB0000048 to send funds instantly.
How quickly will an NEFT transfer using DLXB0000048 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Dhanalakshmi Bank – Vaikom reflect within 30 minutes.
Final notes
To recap: DLXB0000048 is the IFSC code of Dhanalakshmi Bank, VAIKOM branch, in VAIKOM, 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.
