Below are the complete branch details for DMK Jaoli Bank, GHATKOPAR branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is DMKJ0000005. 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 DMKJ0000005 for DMK Jaoli Bank – GHATKOPAR — 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 DMK Jaoli Bank's GHATKOPAR branch, the IFSC DMKJ0000005 breaks down as follows: DMKJ identifies the bank, 0 is the reserved character, and 000005 identifies this particular branch.
About DMK Jaoli Bank
DMK Jaoli Bank operates a wide network of branches across India, including the Ghatkopar branch in Mumbai. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, DMKJ0000005.
About the Ghatkopar branch
The Ghatkopar branch of DMK Jaoli Bank is situated at KHANNA APARTMENT,NARI SEVA SADAN MARG, ASALFA VILLAGE, GHATKOPAR W , MUMBAI -400086. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code DMKJ0000005 is used.
Branch details at a glance
| Bank Name | DMK Jaoli Bank |
|---|---|
| Branch | Ghatkopar |
| IFSC Code | DMKJ0000005 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KHANNA APARTMENT,NARI SEVA SADAN MARG, ASALFA VILLAGE, GHATKOPAR W , MUMBAI -400086 |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 25140713 |
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 DMK Jaoli Bank's GHATKOPAR branch came to be assigned the code DMKJ0000005.
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 DMKJ0000005, money simply cannot be routed to the GHATKOPAR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Ghatkopar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC DMKJ0000005 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC DMKJ0000005
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 DMKJ0000005 across all three.
NEFT to DMK Jaoli Bank, GHATKOPAR using IFSC DMKJ0000005
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 DMKJ0000005, and confirm that the system picks up DMK Jaoli Bank – GHATKOPAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to GHATKOPAR
If you need to transfer ₹2 lakh or more in one go to an account at DMK Jaoli Bank's GHATKOPAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC DMKJ0000005 while initiating the transfer and the credit will appear within minutes.
IMPS to DMK Jaoli Bank GHATKOPAR (IFSC DMKJ0000005)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC DMKJ0000005 in your mobile or internet banking app, and the money is credited to the GHATKOPAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC DMKJ0000005 for DMK Jaoli Bank – GHATKOPAR, 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 – DMKJ0000005 | Yes – DMKJ0000005 | Yes – DMKJ0000005 |
For most retail customers crediting the Ghatkopar 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 DMKJ0000005
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 DMK Jaoli Bank – GHATKOPAR is still mapped to IFSC DMKJ0000005. 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 DMKJ0000005 and the beneficiary's account number to complete the transfer.
Account types you can open at the Ghatkopar branch
Once you have an account at DMK Jaoli Bank – GHATKOPAR, the IFSC DMKJ0000005 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Ghatkopar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-25140713.
- 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 DMKJ0000005
Digital banking channels
Most day-to-day work that customers used to do at the Ghatkopar 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 DMKJ0000005 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.
How to reach the Ghatkopar branch
The branch is located at KHANNA APARTMENT,NARI SEVA SADAN MARG, ASALFA VILLAGE, GHATKOPAR W , MUMBAI -400086, which puts it inside Mumbai, the broader Mumbai district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “DMK Jaoli Bank Ghatkopar branch” — the verified location pin for IFSC DMKJ0000005 should appear at the top of the results.
- Confirm the branch is open by calling 22-25140713 before stepping out, especially around public holidays.
- 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 DMKJ0000005 and your account number.
Common mistakes to avoid when using IFSC DMKJ0000005
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 DMK Jaoli Bank – GHATKOPAR, 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:
DMKJ0000005. - 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.
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 Ghatkopar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC DMKJ0000005, however, work 24x7.
Verifying IFSC DMKJ0000005 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 DMKJ0000005 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-25140713.
- Visiting the bank's official branch locator page.
Branch address & contact
DMK Jaoli BankGhatkopar Branch
KHANNA APARTMENT,NARI SEVA SADAN MARG, ASALFA VILLAGE, GHATKOPAR W , MUMBAI -400086
Mumbai, Maharashtra
Phone: 22-25140713
IFSC: DMKJ0000005
Frequently asked questions
Is IFSC DMKJ0000005 the same for all accounts at Ghatkopar branch?
Yes. The IFSC DMKJ0000005 is shared by every account held at DMK Jaoli Bank's Ghatkopar branch. Only the account number changes from customer to customer.
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 Ghatkopar branch but serve different purposes.
Can I use IFSC DMKJ0000005 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC DMKJ0000005 to send funds instantly.
Is IFSC DMKJ0000005 valid for NEFT and RTGS?
Yes. IFSC DMKJ0000005 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add DMK Jaoli Bank Ghatkopar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC DMKJ0000005, and complete OTP verification. Once activated, you can transfer funds at any time.
Does DMK Jaoli Bank Ghatkopar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-25140713 to confirm.
How quickly will an NEFT transfer using DMKJ0000005 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to DMK Jaoli Bank – Ghatkopar reflect within 30 minutes.
What is the IFSC code of DMK Jaoli Bank Ghatkopar branch?
The IFSC code of DMK Jaoli Bank, Ghatkopar branch is DMKJ0000005. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code DMKJ0000005 belongs to DMK Jaoli Bank's GHATKOPAR branch, located at KHANNA APARTMENT,NARI SEVA SADAN MARG, ASALFA VILLAGE, GHATKOPAR W , MUMBAI… in MUMBAI, MAHARASHTRA. 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.
