Use this page as a one-stop reference for everything related to IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI KHERDI branch in KHERDI, MAHARASHTRA. The branch's IFSC code IBKL0574R39 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, IBKL0574R39 is the IFSC of IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI KHERDI branch. The format is fixed: IBKL = bank code, 0 = reserved, 574R39 = branch identifier.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Ratnagiri Dcc Bank Ltd Ratnagiri Kherdi |
| IFSC Code | IBKL0574R39 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DABHOLKARS EMPIREC C 101, KHERDI MARKET, |
| City | Kherdi |
| District | Ratnagiri |
| State | Maharashtra |
| STD Code | 2355 |
| Phone | 230038 |
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 Kherdi branch in Kherdi, Maharashtra is part of this network and uses the IFSC code IBKL0574R39 for all electronic settlement.
About the Ratnagiri Dcc Bank Ltd Ratnagiri Kherdi branch
The Ratnagiri Dcc Bank Ltd Ratnagiri Kherdi branch of IDBI Bank is situated at DABHOLKARS EMPIREC C 101, KHERDI MARKET,. 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 IBKL0574R39 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 KHERDI branch came to be assigned the code IBKL0574R39.
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 IBKL0574R39, money simply cannot be routed to the RATNAGIRI DCC BANK LTD RATNAGIRI KHERDI branch electronically.
How to transfer money using IFSC IBKL0574R39
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 IBKL0574R39 across all three.
NEFT to IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI KHERDI using IFSC IBKL0574R39
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 IBKL0574R39, and confirm that the system picks up IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI KHERDI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RATNAGIRI DCC BANK LTD RATNAGIRI KHERDI
If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI KHERDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0574R39 while initiating the transfer and the credit will appear within minutes.
IMPS to IDBI Bank RATNAGIRI DCC BANK LTD RATNAGIRI KHERDI (IFSC IBKL0574R39)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0574R39 in your mobile or internet banking app, and the money is credited to the RATNAGIRI DCC BANK LTD RATNAGIRI KHERDI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ratnagiri Dcc Bank Ltd Ratnagiri Kherdi
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 IBKL0574R39:
- 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 KHERDI is still linked to IFSC IBKL0574R39.
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 KHERDI branch, the IFSC IBKL0574R39 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 Kherdi branch
Once you have an account at IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI KHERDI, the IFSC IBKL0574R39 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 Kherdi 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 IBKL0574R39
MICR & cheque-truncation details
Cheques drawn on the Ratnagiri Dcc Bank Ltd Ratnagiri Kherdi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0574R39 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IBKL0574R39
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 KHERDI 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 IBKL0574R39 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.
Common mistakes to avoid when using IFSC IBKL0574R39
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 KHERDI, 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:
IBKL0574R39. - 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 Kherdi branch sits at DABHOLKARS EMPIREC C 101, KHERDI MARKET,. If you are travelling from outside Kherdi, search for the branch on a maps application using the bank name and locality, or call 2355-230038 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 IBKL0574R39 and your account number.
Verifying IFSC IBKL0574R39 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 IBKL0574R39 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2355-230038.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ratnagiri Dcc Bank Ltd Ratnagiri Kherdi 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 IBKL0574R39 continue to work without interruption.
Branch address & contact
IDBI BankRatnagiri Dcc Bank Ltd Ratnagiri Kherdi Branch
DABHOLKARS EMPIREC C 101, KHERDI MARKET,
Kherdi, Maharashtra
Phone: 2355-230038
IFSC: IBKL0574R39
Frequently asked questions
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Ratnagiri Dcc Bank Ltd Ratnagiri Kherdi branch but serve different purposes.
Does IDBI Bank Ratnagiri Dcc Bank Ltd Ratnagiri Kherdi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2355-230038 to confirm.
Can I use IFSC IBKL0574R39 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IBKL0574R39 to send funds instantly.
Is IFSC IBKL0574R39 the same for all accounts at Ratnagiri Dcc Bank Ltd Ratnagiri Kherdi branch?
Yes. The IFSC IBKL0574R39 is shared by every account held at IDBI Bank's Ratnagiri Dcc Bank Ltd Ratnagiri Kherdi branch. Only the account number changes from customer to customer.
How do I add IDBI Bank Ratnagiri Dcc Bank Ltd Ratnagiri Kherdi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL0574R39, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of IDBI Bank Ratnagiri Dcc Bank Ltd Ratnagiri Kherdi branch?
You can reach the branch at 2355-230038 during regular banking hours.
How quickly will an NEFT transfer using IBKL0574R39 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Ratnagiri Dcc Bank Ltd Ratnagiri Kherdi reflect within 30 minutes.
Where is IDBI Bank Ratnagiri Dcc Bank Ltd Ratnagiri Kherdi branch located?
IDBI Bank's Ratnagiri Dcc Bank Ltd Ratnagiri Kherdi branch is located at DABHOLKARS EMPIREC C 101, KHERDI MARKET,, Kherdi, Maharashtra.
Summary
The IFSC code IBKL0574R39 belongs to IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI KHERDI branch, located at DABHOLKARS EMPIREC C 101, KHERDI MARKET, in KHERDI, 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.
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