Use this page as a one-stop reference for everything related to Dhanalakshmi Bank's PERINGOTTUKARA branch in VALAPAD, KERALA. The branch's IFSC code DLXB0000005 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.
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 PERINGOTTUKARA branch, the IFSC DLXB0000005 breaks down as follows: DLXB identifies the bank, 0 is the reserved character, and 000005 identifies this particular branch.
Bank profile
Dhanalakshmi Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Peringottukara branch — IFSC DLXB0000005 — extends the bank's services to customers in and around Valapad, Kerala.
Branch details at a glance
| Bank Name | Dhanalakshmi Bank |
|---|---|
| Branch | Peringottukara |
| IFSC Code | DLXB0000005 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VEMBANAT BUILDING EAST NADA, TRIPRAYAR PERINGOTTUKARA THRISSUR DIST |
| City | Valapad |
| District | Valapad |
| State | Kerala |
| STD Code | 487 |
| Phone | 6454004 |
About this branch
The branch is located at VEMBANAT BUILDING EAST NADA, TRIPRAYAR PERINGOTTUKARA THRISSUR DIST. It serves the Valapad 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 DLXB0000005 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 PERINGOTTUKARA branch came to be assigned the code DLXB0000005.
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 DLXB0000005, money simply cannot be routed to the PERINGOTTUKARA branch electronically.
Products and account variants supported
Every account opened at the Peringottukara branch is mapped to IFSC DLXB0000005 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 DLXB0000005.
Banking services available
The Peringottukara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 487-6454004.
- 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 DLXB0000005
How to transfer money using IFSC DLXB0000005
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 DLXB0000005 across all three.
NEFT to Dhanalakshmi Bank, PERINGOTTUKARA using IFSC DLXB0000005
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 DLXB0000005, and confirm that the system picks up Dhanalakshmi Bank – PERINGOTTUKARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC DLXB0000005
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 – PERINGOTTUKARA, ensure your bank's portal accepts IFSC DLXB0000005 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Dhanalakshmi Bank – PERINGOTTUKARA, use IMPS. With IFSC DLXB0000005 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 Peringottukara
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 DLXB0000005:
- 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 PERINGOTTUKARA is still linked to IFSC DLXB0000005.
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 PERINGOTTUKARA branch, the IFSC DLXB0000005 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.
Digital banking channels
Most day-to-day work that customers used to do at the Peringottukara 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 DLXB0000005 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.
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 DLXB0000005 and the account number together uniquely identify the Peringottukara branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – PERINGOTTUKARA:
- The IFSC is exactly DLXB0000005 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 PERINGOTTUKARA 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 Peringottukara branch sits at VEMBANAT BUILDING EAST NADA, TRIPRAYAR PERINGOTTUKARA THRISSUR DIST. If you are travelling from outside Valapad, search for the branch on a maps application using the bank name and locality, or call 487-6454004 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 DLXB0000005 and your account number.
Verifying IFSC DLXB0000005 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 DLXB0000005 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 487-6454004.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Peringottukara 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 DLXB0000005 continue to work without interruption.
Branch address & contact
Dhanalakshmi BankPeringottukara Branch
VEMBANAT BUILDING EAST NADA, TRIPRAYAR PERINGOTTUKARA THRISSUR DIST
Valapad, Kerala
Phone: 487-6454004
IFSC: DLXB0000005
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 Peringottukara branch but serve different purposes.
What is the phone number of Dhanalakshmi Bank Peringottukara branch?
You can reach the branch at 487-6454004 during regular banking hours.
How quickly will an NEFT transfer using DLXB0000005 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Dhanalakshmi Bank – Peringottukara reflect within 30 minutes.
Can I use IFSC DLXB0000005 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC DLXB0000005 to send funds instantly.
Where is Dhanalakshmi Bank Peringottukara branch located?
Dhanalakshmi Bank's Peringottukara branch is located at VEMBANAT BUILDING EAST NADA, TRIPRAYAR PERINGOTTUKARA THRISSUR DIST, Valapad, Kerala.
How do I add Dhanalakshmi Bank Peringottukara as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC DLXB0000005, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC DLXB0000005 valid for NEFT and RTGS?
Yes. IFSC DLXB0000005 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC DLXB0000005 the same for all accounts at Peringottukara branch?
Yes. The IFSC DLXB0000005 is shared by every account held at Dhanalakshmi Bank's Peringottukara branch. Only the account number changes from customer to customer.
Summary
The IFSC code DLXB0000005 belongs to Dhanalakshmi Bank's PERINGOTTUKARA branch, located at VEMBANAT BUILDING EAST NADA, TRIPRAYAR PERINGOTTUKARA THRISSUR DIST in VALAPAD, 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.
