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

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI BHAMBED branch in BHAMBED. The 11-digit IFSC IBKL0574R64 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 BHAMBED 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, IBKL0574R64 is the IFSC of IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI BHAMBED branch. The format is fixed: IBKL = bank code, 0 = reserved, 574R64 = branch identifier.

Branch details at a glance

About the bank

IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ratnagiri Dcc Bank Ltd Ratnagiri Bhambed branch in Bhambed, Maharashtra is part of this network and uses the IFSC code IBKL0574R64 for all electronic settlement.

About the Ratnagiri Dcc Bank Ltd Ratnagiri Bhambed branch

The Ratnagiri Dcc Bank Ltd Ratnagiri Bhambed branch of IDBI Bank is situated at 385,386,387 PETHDEV, BHAMBED MARKET, AT POST BHAMBED. 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 IBKL0574R64 is used.

Why every IDBI 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 RATNAGIRI DCC BANK LTD RATNAGIRI BHAMBED of IDBI Bank — its own 11-character IFSC. The code IBKL0574R64 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 IBKL0574R64 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC IBKL0574R64

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 IBKL0574R64 across all three.

NEFT to IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI BHAMBED using IFSC IBKL0574R64

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 IBKL0574R64, and confirm that the system picks up IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI BHAMBED. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IBKL0574R64

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 BHAMBED, ensure your bank's portal accepts IFSC IBKL0574R64 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI BHAMBED, use IMPS. With IFSC IBKL0574R64 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Ratnagiri Dcc Bank Ltd Ratnagiri Bhambed

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 IBKL0574R64:

• 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 RATNAGIRI DCC BANK LTD RATNAGIRI BHAMBED is still linked to IFSC IBKL0574R64.

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.

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 BHAMBED branch, the IFSC IBKL0574R64 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.

Products and account variants supported

Every account opened at the Ratnagiri Dcc Bank Ltd Ratnagiri Bhambed branch is mapped to IFSC IBKL0574R64 on the RBI payments network. The branch generally supports the full retail product catalogue of IDBI 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 IBKL0574R64.

Products and services

Customers walking into the Ratnagiri Dcc Bank Ltd Ratnagiri Bhambed 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 IBKL0574R64

MICR & cheque-truncation details

Cheques drawn on the Ratnagiri Dcc Bank Ltd Ratnagiri Bhambed branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0574R64 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC IBKL0574R64

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 BHAMBED 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 IBKL0574R64 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.

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 BHAMBED:

• The IFSC is exactly IBKL0574R64 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 BHAMBED 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.

How to reach the Ratnagiri Dcc Bank Ltd Ratnagiri Bhambed branch

The branch is located at 385,386,387 PETHDEV, BHAMBED MARKET, AT POST BHAMBED, which puts it inside Bhambed, 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 Bhambed branch” — the verified location pin for IFSC IBKL0574R64 should appear at the top of the results.
2. Confirm the branch is open by calling 2352-246388 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 IBKL0574R64 and your account number.

Verifying IFSC IBKL0574R64 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 IBKL0574R64 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2352-246388.
• 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 Ratnagiri Dcc Bank Ltd Ratnagiri Bhambed branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0574R64, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0574R64 belongs to IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI BHAMBED branch, located at 385,386,387 PETHDEV, BHAMBED MARKET, AT POST BHAMBED in BHAMBED, 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.