IFSC Code of Dhanalakshmi Bank, Sreenivasapuram Branch, Kerala

If you are searching for the IFSC code of Dhanalakshmi Bank, SREENIVASAPURAM branch in VARKALA, KERALA, this page has every detail you need. The verified IFSC code for this branch is DLXB0000092. 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 SREENIVASAPURAM branch, and detailed step-by-step guides for using the IFSC DLXB0000092 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, DLXB0000092 is the IFSC of Dhanalakshmi Bank's SREENIVASAPURAM branch. The format is fixed: DLXB = bank code, 0 = reserved, 000092 = branch identifier.

About the bank

Dhanalakshmi Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Sreenivasapuram branch in Varkala, Kerala is part of this network and uses the IFSC code DLXB0000092 for all electronic settlement.

Branch details at a glance

Sreenivasapuram branch overview

Located at C-VI/300 COLLEGE-NADAYANA ROAD SREENIVASAPURAM VARKALA TVM DT, the Sreenivasapuram branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC DLXB0000092 is required for all interbank electronic transfers routed through this branch.

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 SREENIVASAPURAM of Dhanalakshmi Bank — its own 11-character IFSC. The code DLXB0000092 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 DLXB0000092 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Sreenivasapuram branch is mapped to IFSC DLXB0000092 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 DLXB0000092.

Products and services

Customers walking into the Sreenivasapuram 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 DLXB0000092

How to transfer money using IFSC DLXB0000092

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 DLXB0000092 across all three.

NEFT to Dhanalakshmi Bank, SREENIVASAPURAM using IFSC DLXB0000092

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 DLXB0000092, and confirm that the system picks up Dhanalakshmi Bank – SREENIVASAPURAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC DLXB0000092

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 – SREENIVASAPURAM, ensure your bank's portal accepts IFSC DLXB0000092 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Dhanalakshmi Bank SREENIVASAPURAM (IFSC DLXB0000092)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DLXB0000092 in your mobile or internet banking app, and the money is credited to the SREENIVASAPURAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sreenivasapuram

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 DLXB0000092:

• 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 SREENIVASAPURAM is still linked to IFSC DLXB0000092.

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 DLXB0000092

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 – SREENIVASAPURAM is still mapped to IFSC DLXB0000092. 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 DLXB0000092 and the beneficiary's account number to complete the transfer.

Online banking and IFSC DLXB0000092

Dhanalakshmi Bank customers can register for net banking and the bank's official mobile app once their account at the SREENIVASAPURAM 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 DLXB0000092 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.

MICR & cheque-truncation details

Cheques drawn on the Sreenivasapuram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC DLXB0000092 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC DLXB0000092

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 – SREENIVASAPURAM, 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: DLXB0000092.
• 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.

How to reach the Sreenivasapuram branch

The branch is located at C-VI/300 COLLEGE-NADAYANA ROAD SREENIVASAPURAM VARKALA TVM DT, which puts it inside Varkala, the broader Varkala district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Dhanalakshmi Bank Sreenivasapuram branch” — the verified location pin for IFSC DLXB0000092 should appear at the top of the results.
2. Confirm the branch is open by calling 9287276580 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 DLXB0000092 and your account number.

Verifying IFSC DLXB0000092 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 DLXB0000092 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9287276580.
• 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 Sreenivasapuram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DLXB0000092, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code DLXB0000092 belongs to Dhanalakshmi Bank's SREENIVASAPURAM branch, located at C-VI/300 COLLEGE-NADAYANA ROAD SREENIVASAPURAM VARKALA TVM DT in VARKALA, 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.