IFSC Code of IDBI Bank, Ratnagiri Dcc Bank Ltd Ratnagiri Sapuche Tale Branch, Maharashtra

If you are searching for the IFSC code of IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI SAPUCHE TALE branch in SAPUCHE TALE, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is IBKL0574R65. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the RATNAGIRI DCC BANK LTD RATNAGIRI SAPUCHE TALE branch, and detailed step-by-step guides for using the IFSC IBKL0574R65 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, IBKL0574R65 is the IFSC of IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI SAPUCHE TALE branch. The format is fixed: IBKL = bank code, 0 = reserved, 574R65 = branch identifier.

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 Sapuche Tale branch — IFSC IBKL0574R65 — extends the bank's services to customers in and around Sapuche Tale, Maharashtra.

Branch details at a glance

Ratnagiri Dcc Bank Ltd Ratnagiri Sapuche Tale branch overview

Located at HOUSE OF SHRI DWARKANATH PUROSHOTTAM KAMAT,H NO 138,DEVADHE PAWAS ROAD,AP SAPUCHE TALE, the Ratnagiri Dcc Bank Ltd Ratnagiri Sapuche Tale branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0574R65 is required for all interbank electronic transfers routed through this branch.

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 SAPUCHE TALE of IDBI Bank — its own 11-character IFSC. The code IBKL0574R65 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 IBKL0574R65 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Ratnagiri Dcc Bank Ltd Ratnagiri Sapuche Tale branch

Once you have an account at IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI SAPUCHE TALE, the IFSC IBKL0574R65 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.

Banking services available

The Ratnagiri Dcc Bank Ltd Ratnagiri Sapuche Tale branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2352-231341.

• 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 IBKL0574R65

How to transfer money using IFSC IBKL0574R65

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 IBKL0574R65 across all three.

NEFT to IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI SAPUCHE TALE using IFSC IBKL0574R65

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 IBKL0574R65, and confirm that the system picks up IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI SAPUCHE TALE. 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 SAPUCHE TALE

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI SAPUCHE TALE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0574R65 while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank RATNAGIRI DCC BANK LTD RATNAGIRI SAPUCHE TALE (IFSC IBKL0574R65)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0574R65 in your mobile or internet banking app, and the money is credited to the RATNAGIRI DCC BANK LTD RATNAGIRI SAPUCHE TALE branch account within seconds.

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

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 IBKL0574R65:

• 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 SAPUCHE TALE is still linked to IFSC IBKL0574R65.

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 IBKL0574R65

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 SAPUCHE TALE is still mapped to IFSC IBKL0574R65. 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 IBKL0574R65 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Ratnagiri Dcc Bank Ltd Ratnagiri Sapuche Tale 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 IBKL0574R65 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.

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 IBKL0574R65 and the account number together uniquely identify the Ratnagiri Dcc Bank Ltd Ratnagiri Sapuche Tale branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC IBKL0574R65

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 SAPUCHE TALE, 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: IBKL0574R65.
• 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 Sapuche Tale branch

The branch is located at HOUSE OF SHRI DWARKANATH PUROSHOTTAM KAMAT,H NO 138,DEVADHE PAWAS ROAD,AP SAPUCHE TALE, which puts it inside Sapuche Tale, 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 Sapuche Tale branch” — the verified location pin for IFSC IBKL0574R65 should appear at the top of the results.
2. Confirm the branch is open by calling 2352-231341 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 IBKL0574R65 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0574R65 for IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI SAPUCHE TALE, 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 Sapuche Tale 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 IBKL0574R65 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0574R65 belongs to IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI SAPUCHE TALE branch, located at HOUSE OF SHRI DWARKANATH PUROSHOTTAM KAMAT,H NO 138,DEVADHE PAWAS ROAD,AP… in SAPUCHE TALE, 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.