IFSC Code of RBL Bank Limited, Bhopal Branch, Madhya Pradesh

Use this page as a one-stop reference for everything related to RBL Bank Limited's BHOPAL branch in BHOPAL, MADHYA PRADESH. The branch's IFSC code RATN0000152 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, RATN0000152 is the IFSC of RBL Bank Limited's BHOPAL branch. The format is fixed: RATN = bank code, 0 = reserved, 000152 = 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 Bhopal branch in Bhopal, Madhya Pradesh is part of this network and uses the IFSC code RATN0000152 for all electronic settlement.

Bhopal branch overview

Located at THE RATNAKAR BANK LTD,PLOT NO.2, AKANKSHA COMPLEX GROUND FLOOR, FRONT RIGHT SIDE PORTION, ZONE 1, M.P NAGAR , BHOPAL 462011, the Bhopal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC RATN0000152 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 BHOPAL branch came to be assigned the code RATN0000152.

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 RATN0000152, money simply cannot be routed to the BHOPAL branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Bhopal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC RATN0000152 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 RATN0000152

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 RATN0000152 across all three.

How to use IFSC RATN0000152 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to RBL Bank Limited's BHOPAL branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC RATN0000152.
4. Confirm the bank name auto-populates as RBL Bank Limited and the branch as BHOPAL.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC RATN0000152

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 – BHOPAL, ensure your bank's portal accepts IFSC RATN0000152 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to RBL Bank Limited – BHOPAL, use IMPS. With IFSC RATN0000152 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 Bhopal

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 RATN0000152:

• 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 BHOPAL is still linked to IFSC RATN0000152.

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 RATN0000152

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 – BHOPAL is still mapped to IFSC RATN0000152. 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 RATN0000152 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bhopal branch is mapped to IFSC RATN0000152 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 RATN0000152.

Products and services

Customers walking into the Bhopal 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 RATN0000152

Online banking and IFSC RATN0000152

RBL Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHOPAL 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 RATN0000152 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 Bhopal branch

The branch is located at THE RATNAKAR BANK LTD,PLOT NO.2, AKANKSHA COMPLEX GROUND FLOOR, FRONT RIGHT SIDE PORTION, ZONE 1, M.P NAGAR , BHOPAL 462011, which puts it inside Bhopal, the broader Bhopal district, and the state of Madhya Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “RBL Bank Limited Bhopal branch” — the verified location pin for IFSC RATN0000152 should appear at the top of the results.
2. Confirm the branch is open by calling 9833666862 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 RATN0000152 and your account number.

Common mistakes to avoid when using IFSC RATN0000152

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 RBL Bank Limited – BHOPAL, 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: RATN0000152.
• 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.

Working hours

Branch counters at Bhopal 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 RATN0000152 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC RATN0000152 for RBL Bank Limited – BHOPAL, 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

Summary

The IFSC code RATN0000152 belongs to RBL Bank Limited's BHOPAL branch, located at THE RATNAKAR BANK LTD,PLOT NO.2, AKANKSHA COMPLEX GROUND FLOOR, FRONT RIGHT… in BHOPAL, MADHYA 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.