IFSC Code of IDBI Bank, Ratnagiri District Central Co Op Bank Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, RATNAGIRI DISTRICT CENTRAL CO OP BANK branch in RATNAGIRI. The 11-digit IFSC IBKL0574RDC uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with IDBI Bank at the RATNAGIRI DISTRICT CENTRAL CO OP BANK location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 DISTRICT CENTRAL CO OP BANK is IBKL0574RDC. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 574RDC map to this branch in RATNAGIRI, MAHARASHTRA.

About IDBI Bank

IDBI Bank operates a wide network of branches across India, including the Ratnagiri District Central Co Op Bank branch in Ratnagiri. 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, IBKL0574RDC.

Ratnagiri District Central Co Op Bank branch overview

Located at RATNAGIRI DISTRICT CENTRAL CO OP BANK,SAHAKAR BHAVAN,JAWAHAR ROAD,RATNAGIRI,PIN 415612, the Ratnagiri District Central Co Op Bank branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0574RDC is required for all interbank electronic transfers routed through this branch.

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 DISTRICT CENTRAL CO OP BANK of IDBI Bank — its own 11-character IFSC. The code IBKL0574RDC 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 IBKL0574RDC 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 District Central Co Op Bank branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0574RDC 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 IBKL0574RDC

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 IBKL0574RDC across all three.

How to use IFSC IBKL0574RDC for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's RATNAGIRI DISTRICT CENTRAL CO OP BANK 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 IBKL0574RDC.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as RATNAGIRI DISTRICT CENTRAL CO OP BANK.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IBKL0574RDC

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 DISTRICT CENTRAL CO OP BANK, ensure your bank's portal accepts IFSC IBKL0574RDC while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank RATNAGIRI DISTRICT CENTRAL CO OP BANK (IFSC IBKL0574RDC)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0574RDC in your mobile or internet banking app, and the money is credited to the RATNAGIRI DISTRICT CENTRAL CO OP BANK branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ratnagiri District Central Co Op Bank

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 IBKL0574RDC:

• 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 DISTRICT CENTRAL CO OP BANK is still linked to IFSC IBKL0574RDC.

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 DISTRICT CENTRAL CO OP BANK branch, the IFSC IBKL0574RDC 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 District Central Co Op Bank branch

Once you have an account at IDBI Bank – RATNAGIRI DISTRICT CENTRAL CO OP BANK, the IFSC IBKL0574RDC 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 District Central Co Op Bank 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 IBKL0574RDC

Digital banking channels

Most day-to-day work that customers used to do at the Ratnagiri District Central Co Op Bank 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 IBKL0574RDC 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.

How to reach the Ratnagiri District Central Co Op Bank branch

The branch is located at RATNAGIRI DISTRICT CENTRAL CO OP BANK,SAHAKAR BHAVAN,JAWAHAR ROAD,RATNAGIRI,PIN 415612, which puts it inside Ratnagiri, 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 District Central Co Op Bank branch” — the verified location pin for IFSC IBKL0574RDC should appear at the top of the results.
2. Confirm the branch is open by calling 2352-234609 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 IBKL0574RDC 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 DISTRICT CENTRAL CO OP BANK:

• The IFSC is exactly IBKL0574RDC 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 DISTRICT CENTRAL CO OP BANK 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 District Central Co Op Bank 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 IBKL0574RDC continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0574RDC for IDBI Bank – RATNAGIRI DISTRICT CENTRAL CO OP BANK, 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

Summary

The IFSC code IBKL0574RDC belongs to IDBI Bank's RATNAGIRI DISTRICT CENTRAL CO OP BANK branch, located at RATNAGIRI DISTRICT CENTRAL CO OP BANK,SAHAKAR BHAVAN,JAWAHAR… in RATNAGIRI, 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.