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

Below are the complete branch details for IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI BHOO branch, located in BHOO, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0574R75. 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 IBKL0574R75 for IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI BHOO — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI BHOO is IBKL0574R75. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 574R75 map to this branch in BHOO, MAHARASHTRA.

Branch details at a glance

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 Bhoo branch — IFSC IBKL0574R75 — extends the bank's services to customers in and around Bhoo, Maharashtra.

About the Ratnagiri Dcc Bank Ltd Ratnagiri Bhoo branch

The Ratnagiri Dcc Bank Ltd Ratnagiri Bhoo branch of IDBI Bank is situated at HOUSE OF SHRI SURENDRA SHANKAR CHAVAN,H NO 542,AP BHOO. 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 IBKL0574R75 is used.

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 BHOO branch came to be assigned the code IBKL0574R75.

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 IBKL0574R75, money simply cannot be routed to the RATNAGIRI DCC BANK LTD RATNAGIRI BHOO branch electronically.

How to transfer money using IFSC IBKL0574R75

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 IBKL0574R75 across all three.

How to use IFSC IBKL0574R75 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 BHOO 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 IBKL0574R75.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as RATNAGIRI DCC BANK LTD RATNAGIRI BHOO.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to RATNAGIRI DCC BANK LTD RATNAGIRI BHOO

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI BHOO branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0574R75 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI BHOO, use IMPS. With IFSC IBKL0574R75 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 Bhoo

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 IBKL0574R75:

• 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 BHOO is still linked to IFSC IBKL0574R75.

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.

UPI payments and IFSC IBKL0574R75

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 IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI BHOO is still mapped to IFSC IBKL0574R75. 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 IBKL0574R75 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ratnagiri Dcc Bank Ltd Ratnagiri Bhoo branch is mapped to IFSC IBKL0574R75 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 IBKL0574R75.

Products and services

Customers walking into the Ratnagiri Dcc Bank Ltd Ratnagiri Bhoo 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 IBKL0574R75

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 IBKL0574R75 and the account number together uniquely identify the Ratnagiri Dcc Bank Ltd Ratnagiri Bhoo branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Ratnagiri Dcc Bank Ltd Ratnagiri Bhoo 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 IBKL0574R75 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.

Common mistakes to avoid when using IFSC IBKL0574R75

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 IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI BHOO, 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: IBKL0574R75.
• 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.

Reaching the branch

The Ratnagiri Dcc Bank Ltd Ratnagiri Bhoo branch sits at HOUSE OF SHRI SURENDRA SHANKAR CHAVAN,H NO 542,AP BHOO. If you are travelling from outside Bhoo, search for the branch on a maps application using the bank name and locality, or call 2353-235514 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IBKL0574R75 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0574R75 for IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI BHOO, 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.

Working hours

Branch counters at Ratnagiri Dcc Bank Ltd Ratnagiri Bhoo 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 IBKL0574R75 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0574R75 is the IFSC code of IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI BHOO branch, in BHOO, MAHARASHTRA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.