Dhanalakshmi Bank IFSC and MICR Code:

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Dhanlaxmi Bank IFSC Code:

In a day and age when everything is available online, online money transfer has definitely simplified life to a great extent. The facility of online money transfer has been made available by the Reserve Bank of India via NEFT (National Electronic Funds Transfer) and RTGS (Real Time Gross Settlement). Both these processes of money transfer are provided by banks to customers across India to facilitate quick and hassle free transfer of funds from one account to the other. Both NEFT and RTGS services are available to banks which are a part of the NEFT network. The one thing which is commonly unique to the usage of these money transfer services is the use of a unique 11 character code known as the IFSC code or the Indian Financial System Code. This code is issued to all banks under the NEFT network which provide this service to its customers.

The IFSC is an 11 character code which consists of a combination of numbers and alphabets are an indispensable for making an NEFT or RTS transaction. The code helps locate the source and destination banks in the event of a fund transfer, making it easier for the RBI to regulate. The IFSC can be broken down into 3 parts wherein the first 4 characters denote the name of the bank, the fifth character is always zero and reserved for future use and the last 6 characters represent the code of the specific branch. So, for instance, the Dhanlaxmi Bank IFSC code for Prabhadevi branch is DLXB0000248, where the first 4 characters denote the name of the bank i.e. Dhanlaxmi Bank, the fifth character is zero and the last 6 characters represent the code of the Prabhadevi branch of the bank.

How to Search For Dhanlaxmi Bank IFSC & MICR Codes?

If you wish to transfer money using the NEFT or RTGS service by Dhanlaxmi Bank, then you will require the IFSC code. You can easily find the IFSC and MICR code of any branch of Dhanlaxmi Bank online and offline as well. IFSC code of any Dhanlaxmi Bank branch can be found printed on the leaves of cheque books issued by the bank. If you are looking online, you can easily find the code on BankBazaar website. Simply visit the website and find the tab labelled 'Bank IFSC Code' at the bottom of the main page. Click on the link an you will be redirected to another page which displays 4 drop down menus asking for information pertaining to the name of the bank, the state and district it is located in and also the specific branch that you're looking for. Enter the requested information and the page will instantly display the information for you which will include the IFSC code, MICR code, the address as well as the contact details of the bank branch.

Dhanlaxmi Bank makes it very easy for its customers to transfer money using the NEFT or RTGS service. Both these services make use of the IFSC code to transfer money from one bank account to another bank account. With the help of both these services, customers can now make fund transfers on an economical, efficient and secure manner.


National Electronic Fund Transfer is a fast and easy system of fund transfer facilitated by the RBI and available to customers via participating banks. Via NEFT, customers can transfer money not only to other Dhanlaxmi Bank accounts but also to accounts held with other banks which are a part of the NEFT network. NEFT transactions are carried out in batches during the day and every bank has scheduled timings for carrying out NEFT transactions. In order to carry out an NEFT transaction, via Dhanlaxmi Bank, customers will be required to submit a duly filled Dhanam@Realtime Application. Also needed is the IFSC code of the beneficiary's bank in order to make the money transfer.


Real Time Gross Settlement is another system of money transfer facilitated by the RBI. This system of money transfer is ideal for carrying out transactions of higher monetary value in an extremely safe and economical manner. RTGS is a faster method of money transfer as it is done in real time. This implies that transactions are carried out one by one and as soon as they are received, hence eliminating any waiting period as is seen in NEFT transactions. RTGS transactions usually carry a minimum limit, below which a transaction may not be carried out.

Founded in the pre-independence year of 1927, Dhanlaxmi Bank is one of India's oldest yet one of the all-time leading private banks. Headquartered in Thrissur, Kerala, the bank started on its glorious journey of serving the nation with a meager capital of Rs 11,000. Finally earning the title of a scheduled bank in the year 1977, Dhanlaxmi Bank currently functions with a wide spread network of over 250 branches and 398 ATMs which are located in several states like Goa, Kerala, Haryana, Chandigarh, Tamil Nadu, West Bengal, Maharashtra, Andhra Pradesh, Delhi, Gujarat, Punjab, Madhya Pradesh, etc. Serving a varied customer base, the bank offers a wide range of products and services surrounding investment banking, commercial banking, retail banking, private banking, mortgage, credit cards and more.

News Related to Dhanalaxmi Bank IFSC Code
  • Dhanlaxmi Bank raises stock funds in exchange for preferential allotment

    Dhanlaxmi Bank Ltd. provided preferential allotment to four existing investors to counterbalance Rs. 84 crore worth of equity funds that they had raised from them. The bank approved the allotment of 3,24,05,000 shares, each worth Rs. 10 at a price of Rs. 25.98 per share.

    On March 31st, the capital adequacy ratio of the bank was 7.51%. This is below the regulatory norm of 9.625%. To tackle this issue, Credit Analysis and Research Ltd. decided on rolling out equity infusions that would assist in assigning a default rating to the bank’s upper tier 2 bonds. As a result of the slump in the bank’s finances, the RBI also asked the bank to defer payments on some bonds.

    In the first quarter of this fiscal, the bank observed a profit of Rs. 5.73 crore, in comparison to a loss of Rs. 22.71 crore during the same interval last year.

    8th September 2016

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