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

Use this page as a one-stop reference for everything related to IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI SAITAWADE branch in SAITAWADE, MAHARASHTRA. The branch's IFSC code IBKL0574R52 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.

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 SAITAWADE branch, the IFSC IBKL0574R52 breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 574R52 identifies this particular branch.

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 Saitawade branch — IFSC IBKL0574R52 — extends the bank's services to customers in and around Saitawade, Maharashtra.

About this branch

The branch is located at CHAIRMAN, BUILDING OF JAMATUL MUSLIMIN, H NO 46, AT BORSAI MOHALLA, POST SAITAWADE,. It serves the Saitawade region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of IDBI Bank. The IFSC IBKL0574R52 is used to identify this branch on the RBI payments network.

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 SAITAWADE of IDBI Bank — its own 11-character IFSC. The code IBKL0574R52 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 IBKL0574R52 the same way you would treat your account number — verify it once and save it carefully for future use.

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 IBKL0574R52 and the account number together uniquely identify the Ratnagiri Dcc Bank Ltd Ratnagiri Saitawade branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC IBKL0574R52

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 IBKL0574R52 across all three.

NEFT to IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI SAITAWADE using IFSC IBKL0574R52

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 IBKL0574R52, and confirm that the system picks up IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI SAITAWADE. 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 SAITAWADE

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI SAITAWADE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0574R52 while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank RATNAGIRI DCC BANK LTD RATNAGIRI SAITAWADE (IFSC IBKL0574R52)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0574R52 in your mobile or internet banking app, and the money is credited to the RATNAGIRI DCC BANK LTD RATNAGIRI SAITAWADE branch account within seconds.

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

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 IBKL0574R52:

• 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 SAITAWADE is still linked to IFSC IBKL0574R52.

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 SAITAWADE branch, the IFSC IBKL0574R52 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 Saitawade branch is mapped to IFSC IBKL0574R52 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 IBKL0574R52.

Products and services

Customers walking into the Ratnagiri Dcc Bank Ltd Ratnagiri Saitawade 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 IBKL0574R52

Online banking and IFSC IBKL0574R52

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 SAITAWADE 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 IBKL0574R52 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 Saitawade branch

The branch is located at CHAIRMAN, BUILDING OF JAMATUL MUSLIMIN, H NO 46, AT BORSAI MOHALLA, POST SAITAWADE,, which puts it inside Saitawade, 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 Saitawade branch” — the verified location pin for IFSC IBKL0574R52 should appear at the top of the results.
2. Confirm the branch is open by calling 2354-268249 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 IBKL0574R52 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 SAITAWADE:

• The IFSC is exactly IBKL0574R52 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 SAITAWADE 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 Saitawade branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0574R52, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0574R52 for IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI SAITAWADE, 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 IBKL0574R52 belongs to IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI SAITAWADE branch, located at CHAIRMAN, BUILDING OF JAMATUL MUSLIMIN, H NO 46, AT BORSAI MOHALLA, POST … in SAITAWADE, 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.