IFSC Code of Rajasthan Gramin Bank, Phagalwa Branch, Rajasthan

Use this page as a one-stop reference for everything related to Rajasthan Gramin Bank's PHAGALWA branch in PHAGALWA, RAJASTHAN. The branch's IFSC code RMGB0001413 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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, RMGB0001413 is the IFSC of Rajasthan Gramin Bank's PHAGALWA branch. The format is fixed: RMGB = bank code, 0 = reserved, 001413 = branch identifier.

Bank profile

Rajasthan Gramin Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Phagalwa branch — IFSC RMGB0001413 — extends the bank's services to customers in and around Phagalwa, Rajasthan.

Branch details at a glance

About this branch

The branch is located at PHAGALWA,TEH.SIKAR,332046. It serves the Phagalwa region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Rajasthan Gramin Bank. The IFSC RMGB0001413 is used to identify this branch on the RBI payments network.

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 Rajasthan Gramin Bank's PHAGALWA branch came to be assigned the code RMGB0001413.

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 RMGB0001413, money simply cannot be routed to the PHAGALWA branch electronically.

Products and account variants supported

Every account opened at the Phagalwa branch is mapped to IFSC RMGB0001413 on the RBI payments network. The branch generally supports the full retail product catalogue of Rajasthan Gramin 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 RMGB0001413.

Products and services

Customers walking into the Phagalwa branch can access most of Rajasthan Gramin 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 RMGB0001413

How to transfer money using IFSC RMGB0001413

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 RMGB0001413 across all three.

NEFT to Rajasthan Gramin Bank, PHAGALWA using IFSC RMGB0001413

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 RMGB0001413, and confirm that the system picks up Rajasthan Gramin Bank – PHAGALWA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PHAGALWA

If you need to transfer ₹2 lakh or more in one go to an account at Rajasthan Gramin Bank's PHAGALWA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC RMGB0001413 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Rajasthan Gramin Bank – PHAGALWA, use IMPS. With IFSC RMGB0001413 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 Phagalwa

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 RMGB0001413:

• 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 PHAGALWA is still linked to IFSC RMGB0001413.

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 Rajasthan Gramin Bank's PHAGALWA branch, the IFSC RMGB0001413 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.

Online banking and IFSC RMGB0001413

Rajasthan Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the PHAGALWA 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 RMGB0001413 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.

MICR & cheque-truncation details

Cheques drawn on the Phagalwa branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC RMGB0001413 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC RMGB0001413

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 Rajasthan Gramin Bank – PHAGALWA, 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: RMGB0001413.
• 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.

Reaching the branch

The Phagalwa branch sits at PHAGALWA,TEH.SIKAR,332046. If you are travelling from outside Phagalwa, search for the branch on a maps application using the bank name and locality, or call 0 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 RMGB0001413 and your account number.

Verifying IFSC RMGB0001413 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 RMGB0001413 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• 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 Phagalwa branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC RMGB0001413, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: RMGB0001413 is the IFSC code of Rajasthan Gramin Bank, PHAGALWA branch, in PHAGALWA, RAJASTHAN. 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.