IFSC Code of RBL Bank Limited, Santacruz West Branch, Maharashtra

If you are searching for the IFSC code of RBL Bank Limited, SANTACRUZ WEST branch in GREATER BOMBAY, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is RATN0000211. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SANTACRUZ WEST branch, and detailed step-by-step guides for using the IFSC RATN0000211 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For RBL Bank Limited's SANTACRUZ WEST branch, the IFSC RATN0000211 breaks down as follows: RATN identifies the bank, 0 is the reserved character, and 000211 identifies this particular branch.

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 Santacruz West branch in Greater Bombay, Maharashtra is part of this network and uses the IFSC code RATN0000211 for all electronic settlement.

About the Santacruz West branch

The Santacruz West branch of RBL Bank Limited is situated at RBL BANK LIMITED,SHOP NO 3 GREENFIELD, S V ROAD,SANTACRUZ WEST MUMBAI - 400054. 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 RATN0000211 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 SANTACRUZ WEST of RBL Bank Limited — its own 11-character IFSC. The code RATN0000211 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 RATN0000211 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC RATN0000211

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 RATN0000211 across all three.

How to use IFSC RATN0000211 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to RBL Bank Limited's SANTACRUZ WEST 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 RATN0000211.
4. Confirm the bank name auto-populates as RBL Bank Limited and the branch as SANTACRUZ WEST.
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 RATN0000211

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 – SANTACRUZ WEST, ensure your bank's portal accepts IFSC RATN0000211 while registering the beneficiary. RTGS is also available 24x7.

IMPS to RBL Bank Limited SANTACRUZ WEST (IFSC RATN0000211)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC RATN0000211 in your mobile or internet banking app, and the money is credited to the SANTACRUZ WEST branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC RATN0000211 for RBL Bank Limited – SANTACRUZ WEST, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Santacruz West branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC RATN0000211

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 – SANTACRUZ WEST is still mapped to IFSC RATN0000211. 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 RATN0000211 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Santacruz West branch is mapped to IFSC RATN0000211 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 RATN0000211.

Banking services available

The Santacruz West branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8001238040.

• 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 RATN0000211

MICR & cheque-truncation details

Cheques drawn on the Santacruz West branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC RATN0000211 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC RATN0000211

RBL Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SANTACRUZ WEST 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 RATN0000211 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.

Common mistakes to avoid when using IFSC RATN0000211

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 – SANTACRUZ WEST, 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: RATN0000211.
• 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.

How to reach the Santacruz West branch

The branch is located at RBL BANK LIMITED,SHOP NO 3 GREENFIELD, S V ROAD,SANTACRUZ WEST MUMBAI - 400054, which puts it inside Greater Bombay, the broader Greater Bombay district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “RBL Bank Limited Santacruz West branch” — the verified location pin for IFSC RATN0000211 should appear at the top of the results.
2. Confirm the branch is open by calling 91-8001238040 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 RATN0000211 and your account number.

Verifying IFSC RATN0000211 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 RATN0000211 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-8001238040.
• Visiting the bank's official branch locator page.

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 Santacruz West branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC RATN0000211, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code RATN0000211 belongs to RBL Bank Limited's SANTACRUZ WEST branch, located at RBL BANK LIMITED,SHOP NO 3 GREENFIELD, S V ROAD,SANTACRUZ WEST MUMBAI - 400054 in GREATER BOMBAY, MAHARASHTRA. 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.