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

Use this page as a one-stop reference for everything related to IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI PALVAN branch in PALWAN, MAHARASHTRA. The branch's IFSC code IBKL0574R35 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.

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 PALVAN is IBKL0574R35. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 574R35 map to this branch in PALWAN, MAHARASHTRA.

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 Palvan branch in Palwan, Maharashtra is part of this network and uses the IFSC code IBKL0574R35 for all electronic settlement.

About the Ratnagiri Dcc Bank Ltd Ratnagiri Palvan branch

The Ratnagiri Dcc Bank Ltd Ratnagiri Palvan branch of IDBI Bank is situated at HOUSE OF SMT INDUMATI S MAHADIK, H NO 199, A P PALWAN,. 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 IBKL0574R35 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 PALVAN of IDBI Bank — its own 11-character IFSC. The code IBKL0574R35 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 IBKL0574R35 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 Palvan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0574R35 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 IBKL0574R35

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 IBKL0574R35 across all three.

NEFT to IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI PALVAN using IFSC IBKL0574R35

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 IBKL0574R35, and confirm that the system picks up IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI PALVAN. 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 PALVAN

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI PALVAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0574R35 while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank RATNAGIRI DCC BANK LTD RATNAGIRI PALVAN (IFSC IBKL0574R35)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0574R35 in your mobile or internet banking app, and the money is credited to the RATNAGIRI DCC BANK LTD RATNAGIRI PALVAN branch account within seconds.

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

All three modes accept the IFSC IBKL0574R35 for IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI PALVAN, 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 Palvan 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.

UPI payments and IFSC IBKL0574R35

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 PALVAN is still mapped to IFSC IBKL0574R35. 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 IBKL0574R35 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 Palvan branch is mapped to IFSC IBKL0574R35 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 IBKL0574R35.

Products and services

Customers walking into the Ratnagiri Dcc Bank Ltd Ratnagiri Palvan 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 IBKL0574R35

Online banking and IFSC IBKL0574R35

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 PALVAN 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 IBKL0574R35 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.

Reaching the branch

The Ratnagiri Dcc Bank Ltd Ratnagiri Palvan branch sits at HOUSE OF SMT INDUMATI S MAHADIK, H NO 199, A P PALWAN,. If you are travelling from outside Palwan, search for the branch on a maps application using the bank name and locality, or call 2359-244260 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 IBKL0574R35 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 PALVAN:

• The IFSC is exactly IBKL0574R35 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 PALVAN 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.

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 Palvan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0574R35, however, work 24x7.

Verifying IFSC IBKL0574R35 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 IBKL0574R35 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2359-244260.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0574R35 belongs to IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI PALVAN branch, located at HOUSE OF SMT INDUMATI S MAHADIK, H NO 199, A P PALWAN, in PALWAN, 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.