Dcb Bank Lokhandwala IFSC Code
Dcb Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Lokhandwala
Address
Shop No 4&5 Apna Ghar Chs, Swami Samarth Nagar,andheri W , Mumbai - 400053
View on Google MapsDistrict
Mumbai
State
Maharashtra
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Frequently Asked Questions
About Dcb Bank Lokhandwala (swami Samarth Nagar Andheri - 0031), Mumbai
The IFSC code DCBL0000031 (lowercase: dcbl0000031) belongs to Dcb Bank, specifically the Lokhandwala (swami Samarth Nagar Andheri - 0031) branch located in Mumbai, Maharashtra.
The 5th character in the IFSC code DCBL0000031 is a zero (0), not the letter 'O'. The correct format is DCBL0000031 (lowercase: dcbl0000031), and not DCBLO000031. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Dcb Bank Lokhandwala (swami Samarth Nagar Andheri - 0031) in Mumbai, Maharashtra is DCBL0000031. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Dcb Bank Lokhandwala (swami Samarth Nagar Andheri - 0031) is located at Shop No 4&5 Apna Ghar Chs, Swami Samarth Nagar,andheri W , Mumbai - 400053, Mumbai, Maharashtra. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Dcb Bank Lokhandwala (swami Samarth Nagar Andheri - 0031) is 400072029. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code DCBL0000031 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code DCBL0000031 by checking: (1) The top-left corner of any Dcb Bank Lokhandwala (swami Samarth Nagar Andheri - 0031) cheque leaf, (2) The first page of your Dcb Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: DCBL0000031
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
DCBL0000031
What Each Part Means
- Bank Code — DCBL
- The first 4 characters uniquely identify Dcb Bank at the national level. Every branch of Dcb Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 000031
- The final 6 characters 000031 uniquely identify this specific branch within the Dcb Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | DCBL | Identifies Dcb Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 000031 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
Dcb Bank
Lokhandwala (swami Samarth Nagar Andheri - 0031), Mumbai, Maharashtra
Cheque No.
00000031
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | DCBL0000031 | 400072029 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.