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 HARNAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0574R10. 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 IBKL0574R10 for IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, IBKL0574R10 is the IFSC of IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI branch. The format is fixed: IBKL = bank code, 0 = reserved, 574R10 = 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 Haranai branch — IFSC IBKL0574R10 — extends the bank's services to customers in and around Harnai, Maharashtra.

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, A P 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 IBKL0574R10 is used.

Branch details at a glance

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 HARANAI of IDBI Bank — its own 11-character IFSC. The code IBKL0574R10 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 IBKL0574R10 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Ratnagiri Dcc Bank Ltd Ratnagiri Haranai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0574R10 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC IBKL0574R10

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 IBKL0574R10 across all three.

How to use IFSC IBKL0574R10 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 HARANAI 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 IBKL0574R10.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI.
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 HARANAI

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0574R10 while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI (IFSC IBKL0574R10)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0574R10 in your mobile or internet banking app, and the money is credited to the RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI branch account within seconds.

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

All three modes accept the IFSC IBKL0574R10 for IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI, 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 Haranai 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 HARANAI branch, the IFSC IBKL0574R10 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 Haranai branch is mapped to IFSC IBKL0574R10 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 IBKL0574R10.

Banking services available

The Ratnagiri Dcc Bank Ltd Ratnagiri Haranai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2350-220251.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC IBKL0574R10

Online banking and IFSC IBKL0574R10

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 HARANAI 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 IBKL0574R10 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 Haranai branch

The branch is located at HOUSE OF EASTER JAGATRANI MANIKRAO KOTREKE ALIAS RAO, HOUSE NO 1453, NATHDWAR NAGAR, A P HARNAI, TAL DAPOLI,, which puts it inside Harnai, 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 Haranai branch” — the verified location pin for IFSC IBKL0574R10 should appear at the top of the results.
2. Confirm the branch is open by calling 2350-220251 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 IBKL0574R10 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 HARANAI:

• The IFSC is exactly IBKL0574R10 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.

Working hours

Branch counters at Ratnagiri Dcc Bank Ltd Ratnagiri Haranai 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 IBKL0574R10 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0574R10 for IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI, 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

Final notes

To recap: IBKL0574R10 is the IFSC code of IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI HARANAI branch, in HARNAI, 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.