IFSC Code of IDBI Bank, Ratnagiri Dcc Bank Ltd Ratnagiri Abloli Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI ABLOLI branch in ABLOLI. The 11-digit IFSC IBKL0574R21 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with IDBI Bank at the RATNAGIRI DCC BANK LTD RATNAGIRI ABLOLI location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, IBKL0574R21 is the IFSC of IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI ABLOLI branch. The format is fixed: IBKL = bank code, 0 = reserved, 574R21 = branch identifier.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ratnagiri Dcc Bank Ltd Ratnagiri Abloli branch — IFSC IBKL0574R21 — extends the bank's services to customers in and around Abloli, Maharashtra.

About the Ratnagiri Dcc Bank Ltd Ratnagiri Abloli branch

The Ratnagiri Dcc Bank Ltd Ratnagiri Abloli branch of IDBI Bank is situated at HOUSE OF SMT VINITA VILAS BAIT,H NO 241,SHRINGARTALI ABLOLI ROAD,AP ABLOLI,TAL GUHAGAR. 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 IBKL0574R21 is used.

Branch details at a glance

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 IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI ABLOLI branch came to be assigned the code IBKL0574R21.

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 IBKL0574R21, money simply cannot be routed to the RATNAGIRI DCC BANK LTD RATNAGIRI ABLOLI branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by IDBI Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IBKL0574R21 and the account number together uniquely identify the Ratnagiri Dcc Bank Ltd Ratnagiri Abloli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC IBKL0574R21

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 IBKL0574R21 across all three.

How to use IFSC IBKL0574R21 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI ABLOLI branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IBKL0574R21.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as RATNAGIRI DCC BANK LTD RATNAGIRI ABLOLI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IBKL0574R21

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 IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI ABLOLI, ensure your bank's portal accepts IFSC IBKL0574R21 while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank RATNAGIRI DCC BANK LTD RATNAGIRI ABLOLI (IFSC IBKL0574R21)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0574R21 in your mobile or internet banking app, and the money is credited to the RATNAGIRI DCC BANK LTD RATNAGIRI ABLOLI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IBKL0574R21 for IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI ABLOLI, 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.

For most retail customers crediting the Ratnagiri Dcc Bank Ltd Ratnagiri Abloli 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.

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 IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI ABLOLI branch, the IFSC IBKL0574R21 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.

Account types you can open at the Ratnagiri Dcc Bank Ltd Ratnagiri Abloli branch

Once you have an account at IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI ABLOLI, the IFSC IBKL0574R21 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.

Products and services

Customers walking into the Ratnagiri Dcc Bank Ltd Ratnagiri Abloli branch can access most of IDBI 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 IBKL0574R21

Online banking and IFSC IBKL0574R21

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the RATNAGIRI DCC BANK LTD RATNAGIRI ABLOLI 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 IBKL0574R21 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.

How to reach the Ratnagiri Dcc Bank Ltd Ratnagiri Abloli branch

The branch is located at HOUSE OF SMT VINITA VILAS BAIT,H NO 241,SHRINGARTALI ABLOLI ROAD,AP ABLOLI,TAL GUHAGAR, which puts it inside Abloli, the broader Ratnagiri district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank Ratnagiri Dcc Bank Ltd Ratnagiri Abloli branch” — the verified location pin for IFSC IBKL0574R21 should appear at the top of the results.
2. Confirm the branch is open by calling 2358-285611 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 IBKL0574R21 and your account number.

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 IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI ABLOLI:

• The IFSC is exactly IBKL0574R21 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills IDBI Bank as the bank name and RATNAGIRI DCC BANK LTD RATNAGIRI ABLOLI 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.

Working hours

Branch counters at Ratnagiri Dcc Bank Ltd Ratnagiri Abloli 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 IBKL0574R21 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0574R21 for IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI ABLOLI, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0574R21 belongs to IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI ABLOLI branch, located at HOUSE OF SMT VINITA VILAS BAIT,H NO 241,SHRINGARTALI ABLOLI ROAD,AP… in ABLOLI, 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.