IFSC Code of IDBI Bank, Ratnagiri Dcc Bank Ltd Ratnagiri Shirgaon Chiplun Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI SHIRGAON CHIPLUN branch in SHIRGAON CHIPLUN. The 11-digit IFSC IBKL0574R27 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 SHIRGAON CHIPLUN 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.

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 SHIRGAON CHIPLUN branch, the IFSC IBKL0574R27 breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 574R27 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 Ratnagiri Dcc Bank Ltd Ratnagiri Shirgaon Chiplun branch in Shirgaon Chiplun, Maharashtra is part of this network and uses the IFSC code IBKL0574R27 for all electronic settlement.

Ratnagiri Dcc Bank Ltd Ratnagiri Shirgaon Chiplun branch overview

Located at MII6IG, the Ratnagiri Dcc Bank Ltd Ratnagiri Shirgaon Chiplun branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0574R27 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 RATNAGIRI DCC BANK LTD RATNAGIRI SHIRGAON CHIPLUN branch came to be assigned the code IBKL0574R27.

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 IBKL0574R27, money simply cannot be routed to the RATNAGIRI DCC BANK LTD RATNAGIRI SHIRGAON CHIPLUN branch electronically.

How to transfer money using IFSC IBKL0574R27

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 IBKL0574R27 across all three.

NEFT to IDBI Bank, RATNAGIRI DCC BANK LTD RATNAGIRI SHIRGAON CHIPLUN using IFSC IBKL0574R27

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 IBKL0574R27, and confirm that the system picks up IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI SHIRGAON CHIPLUN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IBKL0574R27

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 SHIRGAON CHIPLUN, ensure your bank's portal accepts IFSC IBKL0574R27 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 SHIRGAON CHIPLUN, use IMPS. With IFSC IBKL0574R27 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC IBKL0574R27 for IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI SHIRGAON CHIPLUN, 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 Shirgaon Chiplun 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.

UPI payments and IFSC IBKL0574R27

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 SHIRGAON CHIPLUN is still mapped to IFSC IBKL0574R27. 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 IBKL0574R27 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 Shirgaon Chiplun branch is mapped to IFSC IBKL0574R27 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 IBKL0574R27.

Banking services available

The Ratnagiri Dcc Bank Ltd Ratnagiri Shirgaon Chiplun branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2356-268033.

• 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 IBKL0574R27

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 IBKL0574R27 and the account number together uniquely identify the Ratnagiri Dcc Bank Ltd Ratnagiri Shirgaon Chiplun branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IBKL0574R27

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 SHIRGAON CHIPLUN 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 IBKL0574R27 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 – RATNAGIRI DCC BANK LTD RATNAGIRI SHIRGAON CHIPLUN:

• The IFSC is exactly IBKL0574R27 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 SHIRGAON CHIPLUN 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 Shirgaon Chiplun branch sits at MII6IG. If you are travelling from outside Shirgaon Chiplun, search for the branch on a maps application using the bank name and locality, or call 2356-268033 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 IBKL0574R27 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0574R27 for IDBI Bank – RATNAGIRI DCC BANK LTD RATNAGIRI SHIRGAON CHIPLUN, 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 Ratnagiri Dcc Bank Ltd Ratnagiri Shirgaon Chiplun branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0574R27, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0574R27 belongs to IDBI Bank's RATNAGIRI DCC BANK LTD RATNAGIRI SHIRGAON CHIPLUN branch, located at MII6IG in SHIRGAON CHIPLUN, 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.