Use this page as a one-stop reference for everything related to RBL Bank Limited's VYTTILA branch in ERNAKULAM, KERALA. The branch's IFSC code RATN0000610 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, RATN0000610 is the IFSC of RBL Bank Limited's VYTTILA branch. The format is fixed: RATN = bank code, 0 = reserved, 000610 = branch identifier.
About RBL Bank Limited
RBL Bank Limited operates a wide network of branches across India, including the Vyttila branch in Ernakulam. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, RATN0000610.
About this branch
The branch is located at GROUND FLOOR, KADAMAT BUILDING, DOOR NO. 52 3195 SERVICE ROAD, NH BYPASS, NEXT TO UNION BANK, VYTTILA, COCHIN 682019. It serves the Ernakulam 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 RATN0000610 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | RBL Bank Limited |
|---|---|
| Branch | Vyttila |
| IFSC Code | RATN0000610 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, KADAMAT BUILDING, DOOR NO. 52 3195 SERVICE ROAD, NH BYPASS, NEXT TO UNION BANK, VYTTILA, COCHIN 682019 |
| City | Ernakulam |
| District | Ernakulam |
| State | Kerala |
| STD Code | 0 |
| Phone | 2262327777 |
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 VYTTILA branch came to be assigned the code RATN0000610.
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 RATN0000610, money simply cannot be routed to the VYTTILA branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Vyttila branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC RATN0000610 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 RATN0000610
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 RATN0000610 across all three.
How to use IFSC RATN0000610 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to RBL Bank Limited's VYTTILA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC RATN0000610.
- Confirm the bank name auto-populates as RBL Bank Limited and the branch as VYTTILA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to VYTTILA
If you need to transfer ₹2 lakh or more in one go to an account at RBL Bank Limited's VYTTILA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC RATN0000610 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 – VYTTILA, use IMPS. With IFSC RATN0000610 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 Vyttila
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 RATN0000610:
- 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 VYTTILA is still linked to IFSC RATN0000610.
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 VYTTILA branch, the IFSC RATN0000610 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.
Products and account variants supported
Every account opened at the Vyttila branch is mapped to IFSC RATN0000610 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 RATN0000610.
Products and services
Customers walking into the Vyttila 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 RATN0000610
Digital banking channels
Most day-to-day work that customers used to do at the Vyttila 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 RATN0000610 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.
How to reach the Vyttila branch
The branch is located at GROUND FLOOR, KADAMAT BUILDING, DOOR NO. 52 3195 SERVICE ROAD, NH BYPASS, NEXT TO UNION BANK, VYTTILA, COCHIN 682019, which puts it inside Ernakulam, the broader Ernakulam district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “RBL Bank Limited Vyttila branch” — the verified location pin for IFSC RATN0000610 should appear at the top of the results.
- Confirm the branch is open by calling 2262327777 before stepping out, especially around public holidays.
- 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 RATN0000610 and your account number.
Common mistakes to avoid when using IFSC RATN0000610
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 – VYTTILA, 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:
RATN0000610. - 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 Vyttila 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 RATN0000610 continue to work without interruption.
Verifying IFSC RATN0000610 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm RATN0000610 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2262327777.
- Visiting the bank's official branch locator page.
Branch address & contact
RBL Bank LimitedVyttila Branch
GROUND FLOOR, KADAMAT BUILDING, DOOR NO. 52 3195 SERVICE ROAD, NH BYPASS, NEXT TO UNION BANK, VYTTILA, COCHIN 682019
Ernakulam, Kerala
Phone: 2262327777
IFSC: RATN0000610
Frequently asked questions
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Vyttila branch but serve different purposes.
How do I add RBL Bank Limited Vyttila as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC RATN0000610, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is RBL Bank Limited Vyttila branch located?
RBL Bank Limited's Vyttila branch is located at GROUND FLOOR, KADAMAT BUILDING, DOOR NO. 52 3195 SERVICE ROAD, NH BYPASS, NEXT TO UNION BANK, VYTTILA, COCHIN 682019, Ernakulam, Kerala.
What is the IFSC code of RBL Bank Limited Vyttila branch?
The IFSC code of RBL Bank Limited, Vyttila branch is RATN0000610. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC RATN0000610 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC RATN0000610 to send funds instantly.
Is IFSC RATN0000610 valid for NEFT and RTGS?
Yes. IFSC RATN0000610 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC RATN0000610 the same for all accounts at Vyttila branch?
Yes. The IFSC RATN0000610 is shared by every account held at RBL Bank Limited's Vyttila branch. Only the account number changes from customer to customer.
Does RBL Bank Limited Vyttila branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2262327777 to confirm.
Final notes
To recap: RATN0000610 is the IFSC code of RBL Bank Limited, VYTTILA branch, in ERNAKULAM, KERALA. 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.
