IFSC Code of RBL Bank Limited, Bellad Bagewadi Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for RBL Bank Limited, BELLAD BAGEWADI branch in BELLAD BAGEWADI. The 11-digit IFSC RATN0000039 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 BELLAD BAGEWADI 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 – BELLAD BAGEWADI is RATN0000039. The first four letters RATN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000039 map to this branch in BELLAD BAGEWADI, KARNATAKA.

Bank profile

RBL Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bellad Bagewadi branch — IFSC RATN0000039 — extends the bank's services to customers in and around Bellad Bagewadi, Karnataka.

Bellad Bagewadi branch overview

Located at THE RATNAKAR BANK LTD,395, A/P BELLAD-BAGEWADI.PIN CODE 591 305,TAL. HUKERI, DIST. BELGAUM., the Bellad Bagewadi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC RATN0000039 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 BELLAD BAGEWADI of RBL Bank Limited — its own 11-character IFSC. The code RATN0000039 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 RATN0000039 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Bellad Bagewadi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC RATN0000039 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC RATN0000039

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 RATN0000039 across all three.

NEFT to RBL Bank Limited, BELLAD BAGEWADI using IFSC RATN0000039

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 RATN0000039, and confirm that the system picks up RBL Bank Limited – BELLAD BAGEWADI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BELLAD BAGEWADI

If you need to transfer ₹2 lakh or more in one go to an account at RBL Bank Limited's BELLAD BAGEWADI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC RATN0000039 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 – BELLAD BAGEWADI, use IMPS. With IFSC RATN0000039 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 Bellad Bagewadi

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 RATN0000039:

• 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 BELLAD BAGEWADI is still linked to IFSC RATN0000039.

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 RBL Bank Limited's BELLAD BAGEWADI branch, the IFSC RATN0000039 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.

Account types you can open at the Bellad Bagewadi branch

Once you have an account at RBL Bank Limited – BELLAD BAGEWADI, the IFSC RATN0000039 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.

Products and services

Customers walking into the Bellad Bagewadi branch can access most of RBL Bank Limited'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 RATN0000039

Online banking and IFSC RATN0000039

RBL Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BELLAD BAGEWADI 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 RATN0000039 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.

How to reach the Bellad Bagewadi branch

The branch is located at THE RATNAKAR BANK LTD,395, A/P BELLAD-BAGEWADI.PIN CODE 591 305,TAL. HUKERI, DIST. BELGAUM., which puts it inside Bellad Bagewadi, the broader Belgaum district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “RBL Bank Limited Bellad Bagewadi branch” — the verified location pin for IFSC RATN0000039 should appear at the top of the results.
2. Confirm the branch is open by calling 8333257029 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 RATN0000039 and your account number.

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 – BELLAD BAGEWADI:

• The IFSC is exactly RATN0000039 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 BELLAD BAGEWADI 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.

Working hours

Branch counters at Bellad Bagewadi 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 RATN0000039 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC RATN0000039 for RBL Bank Limited – BELLAD BAGEWADI, 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 address & contact

Frequently asked questions

Final notes

To recap: RATN0000039 is the IFSC code of RBL Bank Limited, BELLAD BAGEWADI branch, in BELLAD BAGEWADI, KARNATAKA. 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.