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

Use this page as a one-stop reference for everything related to RBL Bank Limited's KAMLA NAGAR, AGRA branch in AGRA, UTTAR PRADESH. The branch's IFSC code RATN0000481 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, RATN0000481 is the IFSC of RBL Bank Limited's KAMLA NAGAR, AGRA branch. The format is fixed: RATN = bank code, 0 = reserved, 000481 = branch identifier.

About the bank

RBL Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kamla Nagar, Agra branch in Agra, Uttar Pradesh is part of this network and uses the IFSC code RATN0000481 for all electronic settlement.

Branch details at a glance

About the Kamla Nagar, Agra branch

The Kamla Nagar, Agra branch of RBL Bank Limited is situated at SHOP NO. 3,4, & 5, GROUND FLOOR, PLOT NO. B-2/15 AND B-2/16, CENTRAL BUSINESS PARK, KAMLA NAGAR, AGRA - 282004. 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 RATN0000481 is used.

Why every RBL Bank Limited 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 KAMLA NAGAR, AGRA of RBL Bank Limited — its own 11-character IFSC. The code RATN0000481 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 RATN0000481 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Kamla Nagar, Agra branch

Once you have an account at RBL Bank Limited – KAMLA NAGAR, AGRA, the IFSC RATN0000481 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Kamla Nagar, Agra branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 RATN0000481

How to transfer money using IFSC RATN0000481

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 RATN0000481 across all three.

NEFT to RBL Bank Limited, KAMLA NAGAR, AGRA using IFSC RATN0000481

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 RATN0000481, and confirm that the system picks up RBL Bank Limited – KAMLA NAGAR, 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 KAMLA NAGAR, AGRA

If you need to transfer ₹2 lakh or more in one go to an account at RBL Bank Limited's KAMLA NAGAR, AGRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC RATN0000481 while initiating the transfer and the credit will appear within minutes.

IMPS to RBL Bank Limited KAMLA NAGAR, AGRA (IFSC RATN0000481)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC RATN0000481 in your mobile or internet banking app, and the money is credited to the KAMLA NAGAR, AGRA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kamla Nagar, 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 RATN0000481:

• 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 KAMLA NAGAR, AGRA is still linked to IFSC RATN0000481.

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 RATN0000481

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 – KAMLA NAGAR, AGRA is still mapped to IFSC RATN0000481. 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 RATN0000481 and the beneficiary's account number to complete the transfer.

Online banking and IFSC RATN0000481

RBL Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KAMLA NAGAR, AGRA 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 RATN0000481 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 Kamla Nagar, Agra branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC RATN0000481 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – KAMLA NAGAR, AGRA:

• The IFSC is exactly RATN0000481 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 KAMLA NAGAR, 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 Kamla Nagar, Agra branch

The branch is located at SHOP NO. 3,4, & 5, GROUND FLOOR, PLOT NO. B-2/15 AND B-2/16, CENTRAL BUSINESS PARK, KAMLA NAGAR, AGRA - 282004, 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 Kamla Nagar, Agra branch” — the verified location pin for IFSC RATN0000481 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 RATN0000481 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC RATN0000481 for RBL Bank Limited – KAMLA NAGAR, 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.

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 Kamla Nagar, Agra branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC RATN0000481, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code RATN0000481 belongs to RBL Bank Limited's KAMLA NAGAR, AGRA branch, located at SHOP NO. 3,4, & 5, GROUND FLOOR, PLOT NO. B-2/15 AND B-2/16, CENTRAL BUSINESS… 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.