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

Below are the complete branch details for IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI SAVARDE branch, located in SAWARDE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0574R34. 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 IBKL0574R34 for IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI SAVARDE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, IBKL0574R34 is the IFSC of IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI SAVARDE branch. The format is fixed: IBKL = bank code, 0 = reserved, 574R34 = branch identifier.

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 Ratnagiri Dcc Bank Ltd Ratnagiri Savarde branch in Sawarde, Maharashtra is part of this network and uses the IFSC code IBKL0574R34 for all electronic settlement.

About the Ratnagiri Dcc Bank Ltd Ratnagiri Savarde branch

The Ratnagiri Dcc Bank Ltd Ratnagiri Savarde branch of IDBI Bank is situated at HOUSE OF SHRI SAID BABA KHALAPE, H NO 1155, MUMBAI GOA HIGHWAY, A P SAWARDA,. 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 IBKL0574R34 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 SAVARDE of IDBI Bank — its own 11-character IFSC. The code IBKL0574R34 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 IBKL0574R34 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 IBKL0574R34

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 IBKL0574R34 across all three.

How to use IFSC IBKL0574R34 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 SAVARDE 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 IBKL0574R34.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as RATNAGIRI DCC BANK LTD RATNAGIRI SAVARDE.
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 IBKL0574R34

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 SAVARDE, ensure your bank's portal accepts IFSC IBKL0574R34 while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank RATNAGIRI DCC BANK LTD RATNAGIRI SAVARDE (IFSC IBKL0574R34)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0574R34 in your mobile or internet banking app, and the money is credited to the RATNAGIRI DCC BANK LTD RATNAGIRI SAVARDE branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IBKL0574R34 for IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI SAVARDE, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Ratnagiri Dcc Bank Ltd Ratnagiri Savarde branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

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 SAVARDE branch, the IFSC IBKL0574R34 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 Savarde branch is mapped to IFSC IBKL0574R34 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 IBKL0574R34.

Products and services

Customers walking into the Ratnagiri Dcc Bank Ltd Ratnagiri Savarde 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 IBKL0574R34

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 IBKL0574R34 and the account number together uniquely identify the Ratnagiri Dcc Bank Ltd Ratnagiri Savarde branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Ratnagiri Dcc Bank Ltd Ratnagiri Savarde 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 IBKL0574R34 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.

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 SAVARDE:

• The IFSC is exactly IBKL0574R34 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 SAVARDE 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 Ratnagiri Dcc Bank Ltd Ratnagiri Savarde branch sits at HOUSE OF SHRI SAID BABA KHALAPE, H NO 1155, MUMBAI GOA HIGHWAY, A P SAWARDA,. If you are travelling from outside Sawarde, search for the branch on a maps application using the bank name and locality, or call 2359-245230 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 IBKL0574R34 and your account number.

Verifying IFSC IBKL0574R34 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm IBKL0574R34 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2359-245230.
• Visiting the bank's official branch locator page.

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 Savarde branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0574R34, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0574R34 is the IFSC code of IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI SAVARDE branch, in SAWARDE, 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.