IFSC Code of IDBI Bank, The Rayat Sevak Cooperative Bank Limited Satara Branch, Maharashtra

Below are the complete branch details for IDBI Bank, THE RAYAT SEVAK COOPERATIVE BANK LIMITED SATARA branch, located in SATARA, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0485RSC. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IBKL0485RSC for IDBI Bank – THE RAYAT SEVAK COOPERATIVE BANK LIMITED SATARA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 THE RAYAT SEVAK COOPERATIVE BANK LIMITED SATARA branch, the IFSC IBKL0485RSC breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 485RSC identifies this particular branch.

Branch details at a glance

About the bank

IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Rayat Sevak Cooperative Bank Limited Satara branch in Satara, Maharashtra is part of this network and uses the IFSC code IBKL0485RSC for all electronic settlement.

The Rayat Sevak Cooperative Bank Limited Satara branch overview

Located at 523 B SADAR BAZAR ANNASAHEB KALYANI PARISAR SATARA 415001, the The Rayat Sevak Cooperative Bank Limited Satara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0485RSC is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how IDBI Bank's THE RAYAT SEVAK COOPERATIVE BANK LIMITED SATARA branch came to be assigned the code IBKL0485RSC.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC IBKL0485RSC, money simply cannot be routed to the THE RAYAT SEVAK COOPERATIVE BANK LIMITED SATARA branch electronically.

How to transfer money using IFSC IBKL0485RSC

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 IBKL0485RSC across all three.

NEFT to IDBI Bank, THE RAYAT SEVAK COOPERATIVE BANK LIMITED SATARA using IFSC IBKL0485RSC

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 IBKL0485RSC, and confirm that the system picks up IDBI Bank – THE RAYAT SEVAK COOPERATIVE BANK LIMITED SATARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE RAYAT SEVAK COOPERATIVE BANK LIMITED SATARA

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's THE RAYAT SEVAK COOPERATIVE BANK LIMITED SATARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0485RSC while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank THE RAYAT SEVAK COOPERATIVE BANK LIMITED SATARA (IFSC IBKL0485RSC)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0485RSC in your mobile or internet banking app, and the money is credited to the THE RAYAT SEVAK COOPERATIVE BANK LIMITED SATARA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Rayat Sevak Cooperative Bank Limited Satara

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 IBKL0485RSC:

• 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 THE RAYAT SEVAK COOPERATIVE BANK LIMITED SATARA is still linked to IFSC IBKL0485RSC.

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 THE RAYAT SEVAK COOPERATIVE BANK LIMITED SATARA branch, the IFSC IBKL0485RSC 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 The Rayat Sevak Cooperative Bank Limited Satara branch is mapped to IFSC IBKL0485RSC 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 IBKL0485RSC.

Products and services

Customers walking into the The Rayat Sevak Cooperative Bank Limited Satara 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 IBKL0485RSC

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 IBKL0485RSC and the account number together uniquely identify the The Rayat Sevak Cooperative Bank Limited Satara branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IBKL0485RSC

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the THE RAYAT SEVAK COOPERATIVE BANK LIMITED SATARA 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 IBKL0485RSC 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.

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 – THE RAYAT SEVAK COOPERATIVE BANK LIMITED SATARA:

• The IFSC is exactly IBKL0485RSC 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 THE RAYAT SEVAK COOPERATIVE BANK LIMITED SATARA 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.

Reaching the branch

The The Rayat Sevak Cooperative Bank Limited Satara branch sits at 523 B SADAR BAZAR ANNASAHEB KALYANI PARISAR SATARA 415001. If you are travelling from outside Satara, search for the branch on a maps application using the bank name and locality, or call 91-9175931835 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 IBKL0485RSC and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0485RSC for IDBI Bank – THE RAYAT SEVAK COOPERATIVE BANK LIMITED SATARA, 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 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 The Rayat Sevak Cooperative Bank Limited Satara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0485RSC, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0485RSC belongs to IDBI Bank's THE RAYAT SEVAK COOPERATIVE BANK LIMITED SATARA branch, located at 523 B SADAR BAZAR ANNASAHEB KALYANI PARISAR SATARA 415001 in SATARA, 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.