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

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI SAKHARPA branch in SAKHARPA. The 11-digit IFSC IBKL0574R49 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 DCC BANK LTD RATNAGIRI SAKHARPA 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.

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, IBKL0574R49 is the IFSC of IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI SAKHARPA branch. The format is fixed: IBKL = bank code, 0 = reserved, 574R49 = branch identifier.

Branch details at a glance

About IDBI Bank

IDBI Bank operates a wide network of branches across India, including the Ratnagiri Dcc Bank Ltd Ratnagiri Sakharpa branch in Sakharpa. 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, IBKL0574R49.

About the Ratnagiri Dcc Bank Ltd Ratnagiri Sakharpa branch

The Ratnagiri Dcc Bank Ltd Ratnagiri Sakharpa branch of IDBI Bank is situated at NEAR DR ARVIND BHANDARI CLINIC OPP S T STAND SAKHARPA, A P SAKHARPA,. 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 IBKL0574R49 is used.

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 SAKHARPA of IDBI Bank — its own 11-character IFSC. The code IBKL0574R49 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 IBKL0574R49 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC IBKL0574R49

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 IBKL0574R49 across all three.

How to use IFSC IBKL0574R49 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 SAKHARPA 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 IBKL0574R49.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as RATNAGIRI DCC BANK LTD RATNAGIRI SAKHARPA.
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 IBKL0574R49

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 DCC BANK LTD RATNAGIRI SAKHARPA, ensure your bank's portal accepts IFSC IBKL0574R49 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI SAKHARPA, use IMPS. With IFSC IBKL0574R49 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

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 IBKL0574R49:

• 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 SAKHARPA is still linked to IFSC IBKL0574R49.

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.

UPI payments and IFSC IBKL0574R49

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 SAKHARPA is still mapped to IFSC IBKL0574R49. 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 IBKL0574R49 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 Sakharpa branch is mapped to IFSC IBKL0574R49 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 IBKL0574R49.

Banking services available

The Ratnagiri Dcc Bank Ltd Ratnagiri Sakharpa branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2354-269238.

• 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 IBKL0574R49

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 IBKL0574R49 and the account number together uniquely identify the Ratnagiri Dcc Bank Ltd Ratnagiri Sakharpa branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IBKL0574R49

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 SAKHARPA 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 IBKL0574R49 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 IBKL0574R49

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 SAKHARPA, 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: IBKL0574R49.
• 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.

How to reach the Ratnagiri Dcc Bank Ltd Ratnagiri Sakharpa branch

The branch is located at NEAR DR ARVIND BHANDARI CLINIC OPP S T STAND SAKHARPA, A P SAKHARPA,, which puts it inside Sakharpa, 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 Sakharpa branch” — the verified location pin for IFSC IBKL0574R49 should appear at the top of the results.
2. Confirm the branch is open by calling 2354-269238 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 IBKL0574R49 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0574R49 for IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI SAKHARPA, 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.

Working hours

Branch counters at Ratnagiri Dcc Bank Ltd Ratnagiri Sakharpa 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 IBKL0574R49 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0574R49 is the IFSC code of IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI SAKHARPA branch, in SAKHARPA, 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.