IFSC Code of RBL Bank Limited, Agra Branch, Uttar Pradesh

If you are searching for the IFSC code of RBL Bank Limited, AGRA branch in AGRA, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is RATN0000174. 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 AGRA branch, and detailed step-by-step guides for using the IFSC RATN0000174 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for RBL Bank Limited – AGRA is RATN0000174. The first four letters RATN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000174 map to this branch in AGRA, UTTAR PRADESH.

Branch details at a glance

Bank profile

RBL Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Agra branch — IFSC RATN0000174 — extends the bank's services to customers in and around Agra, Uttar Pradesh.

Agra branch overview

Located at THE RATNAKAR BANK LTD GROUND FLOOR BLOCK NO 41 4 SANJAY PLACE SHOP NO 5 6 7 8 AND BASEMENT FLOOR, the Agra branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC RATN0000174 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 RBL Bank Limited's AGRA branch came to be assigned the code RATN0000174.

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 RATN0000174, money simply cannot be routed to the AGRA branch electronically.

How to transfer money using IFSC RATN0000174

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 RATN0000174 across all three.

NEFT to RBL Bank Limited, AGRA using IFSC RATN0000174

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 RATN0000174, and confirm that the system picks up RBL Bank Limited – AGRA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to AGRA

If you need to transfer ₹2 lakh or more in one go to an account at RBL Bank Limited's AGRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC RATN0000174 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to RBL Bank Limited – AGRA, use IMPS. With IFSC RATN0000174 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 Agra

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 RATN0000174:

• 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 AGRA is still linked to IFSC RATN0000174.

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 RATN0000174

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 RBL Bank Limited – AGRA is still mapped to IFSC RATN0000174. 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 RATN0000174 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Agra branch is mapped to IFSC RATN0000174 on the RBI payments network. The branch generally supports the full retail product catalogue of RBL Bank Limited, 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 RATN0000174.

Banking services available

The Agra branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-43020600.

• 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 RATN0000174

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by RBL Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC RATN0000174 and the account number together uniquely identify the Agra 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 Agra 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 RATN0000174 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 RBL Bank Limited – AGRA:

• The IFSC is exactly RATN0000174 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills RBL Bank Limited as the bank name and AGRA 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.

How to reach the Agra branch

The branch is located at THE RATNAKAR BANK LTD GROUND FLOOR BLOCK NO 41 4 SANJAY PLACE SHOP NO 5 6 7 8 AND BASEMENT FLOOR, which puts it inside Agra, the broader Agra district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “RBL Bank Limited Agra branch” — the verified location pin for IFSC RATN0000174 should appear at the top of the results.
2. Confirm the branch is open by calling 22-43020600 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 RATN0000174 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC RATN0000174 for RBL Bank Limited – AGRA, 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 Agra 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 RATN0000174 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code RATN0000174 belongs to RBL Bank Limited's AGRA branch, located at THE RATNAKAR BANK LTD GROUND FLOOR BLOCK NO 41 4 SANJAY PLACE SHOP NO 5 6 7 8… in AGRA, UTTAR PRADESH. 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.