IFSC Code of RBL Bank Limited, Keshawe Begusarai Branch, Bihar

This page lists the IFSC code, branch address, contact number and fund-transfer information for RBL Bank Limited, KESHAWE BEGUSARAI branch in BEGUSARAI. The 11-digit IFSC RATN0000520 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 RBL Bank Limited at the KESHAWE BEGUSARAI 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.

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 – KESHAWE BEGUSARAI is RATN0000520. The first four letters RATN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000520 map to this branch in BEGUSARAI, BIHAR.

Branch details at a glance

About the bank

RBL Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Keshawe Begusarai branch in Begusarai, Bihar is part of this network and uses the IFSC code RATN0000520 for all electronic settlement.

About this branch

The branch is located at SHOP NO-02,SUSHIL NAGAR,KESHAWE, NH31,NEAR GLOCAL HOSPITAL,BEGUSARAI 851134. It serves the Begusarai region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of RBL Bank Limited. The IFSC RATN0000520 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 RBL Bank Limited's KESHAWE BEGUSARAI branch came to be assigned the code RATN0000520.

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 RATN0000520, money simply cannot be routed to the KESHAWE BEGUSARAI branch electronically.

How to transfer money using IFSC RATN0000520

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 RATN0000520 across all three.

NEFT to RBL Bank Limited, KESHAWE BEGUSARAI using IFSC RATN0000520

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 RATN0000520, and confirm that the system picks up RBL Bank Limited – KESHAWE BEGUSARAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC RATN0000520

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 RBL Bank Limited – KESHAWE BEGUSARAI, ensure your bank's portal accepts IFSC RATN0000520 while registering the beneficiary. RTGS is also available 24x7.

IMPS to RBL Bank Limited KESHAWE BEGUSARAI (IFSC RATN0000520)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC RATN0000520 in your mobile or internet banking app, and the money is credited to the KESHAWE BEGUSARAI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Keshawe Begusarai

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 RATN0000520:

• 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 KESHAWE BEGUSARAI is still linked to IFSC RATN0000520.

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 RATN0000520

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 – KESHAWE BEGUSARAI is still mapped to IFSC RATN0000520. 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 RATN0000520 and the beneficiary's account number to complete the transfer.

Account types you can open at the Keshawe Begusarai branch

Once you have an account at RBL Bank Limited – KESHAWE BEGUSARAI, the IFSC RATN0000520 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 Keshawe Begusarai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6243-7717779557.

• 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 RATN0000520

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 RATN0000520 and the account number together uniquely identify the Keshawe Begusarai 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 Keshawe Begusarai 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 RATN0000520 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 – KESHAWE BEGUSARAI:

• The IFSC is exactly RATN0000520 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 KESHAWE BEGUSARAI 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 Keshawe Begusarai branch

The branch is located at SHOP NO-02,SUSHIL NAGAR,KESHAWE, NH31,NEAR GLOCAL HOSPITAL,BEGUSARAI 851134, which puts it inside Begusarai, the broader Begusarai district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “RBL Bank Limited Keshawe Begusarai branch” — the verified location pin for IFSC RATN0000520 should appear at the top of the results.
2. Confirm the branch is open by calling 6243-7717779557 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 RATN0000520 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC RATN0000520 for RBL Bank Limited – KESHAWE BEGUSARAI, 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 Keshawe Begusarai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC RATN0000520, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: RATN0000520 is the IFSC code of RBL Bank Limited, KESHAWE BEGUSARAI branch, in BEGUSARAI, BIHAR. 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.