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

Below are the complete branch details for IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI branch, located in HARANAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0574R02. 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 IBKL0574R02 for IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI branch, the IFSC IBKL0574R02 breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 574R02 identifies this particular branch.

Branch details at a glance

About IDBI Bank

IDBI Bank operates a wide network of branches across India, including the Ratnagiri Dcc Bank Ltd Ratnagiri Haranai branch in Haranai. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IBKL0574R02.

About the Ratnagiri Dcc Bank Ltd Ratnagiri Haranai branch

The Ratnagiri Dcc Bank Ltd Ratnagiri Haranai branch of IDBI Bank is situated at HOUSE OF EASTER JAGATRANI MANIKRAO KOTREKE ALIAS RAO,HOUSE NO 1453,NATHDWAR NAGAR,AP HARNAI,TAL DAPOLI. 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 IBKL0574R02 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 HARANAI branch came to be assigned the code IBKL0574R02.

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 IBKL0574R02, money simply cannot be routed to the RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI branch electronically.

How to transfer money using IFSC IBKL0574R02

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 IBKL0574R02 across all three.

NEFT to IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI using IFSC IBKL0574R02

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 IBKL0574R02, and confirm that the system picks up IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IBKL0574R02

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 HARANAI, ensure your bank's portal accepts IFSC IBKL0574R02 while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI (IFSC IBKL0574R02)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0574R02 in your mobile or internet banking app, and the money is credited to the RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI branch account within seconds.

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

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 IBKL0574R02:

• 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 HARANAI is still linked to IFSC IBKL0574R02.

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 IBKL0574R02

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 HARANAI is still mapped to IFSC IBKL0574R02. 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 IBKL0574R02 and the beneficiary's account number to complete the transfer.

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

Once you have an account at IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI, the IFSC IBKL0574R02 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 Haranai 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 IBKL0574R02

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 IBKL0574R02 and the account number together uniquely identify the Ratnagiri Dcc Bank Ltd Ratnagiri Haranai 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 Haranai 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 IBKL0574R02 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.

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 HARANAI:

• The IFSC is exactly IBKL0574R02 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 HARANAI 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.

Reaching the branch

The Ratnagiri Dcc Bank Ltd Ratnagiri Haranai branch sits at HOUSE OF EASTER JAGATRANI MANIKRAO KOTREKE ALIAS RAO,HOUSE NO 1453,NATHDWAR NAGAR,AP HARNAI,TAL DAPOLI. If you are travelling from outside Haranai, search for the branch on a maps application using the bank name and locality, or call 2358-282247 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 IBKL0574R02 and your account number.

Verifying IFSC IBKL0574R02 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 IBKL0574R02 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2358-282247.
• 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 Haranai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0574R02, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0574R02 is the IFSC code of IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI branch, in HARANAI, 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.