IFSC Code of RBL Bank Limited, Vashi, Navi Mumbai Branch, Maharashtra

Below are the complete branch details for RBL Bank Limited, VASHI, NAVI MUMBAI branch, located in GREATER BOMBAY, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is RATN0000102. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case RATN0000102 for RBL Bank Limited – VASHI, NAVI MUMBAI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – VASHI, NAVI MUMBAI is RATN0000102. The first four letters RATN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000102 map to this branch in GREATER BOMBAY, MAHARASHTRA.

Branch details at a glance

About RBL Bank Limited

RBL Bank Limited operates a wide network of branches across India, including the Vashi, Navi Mumbai branch in Greater Bombay. 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, RATN0000102.

About this branch

The branch is located at THE RATNAKAR BANK LTD,ARTI CHS LTD,PLOT 29, SECTOR 2,VASHI, NAVI MUMBAI,MAHARASHTRA 400 705. It serves the Greater Bombay 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 RATN0000102 is used to identify this branch on the RBI payments network.

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 VASHI, NAVI MUMBAI of RBL Bank Limited — its own 11-character IFSC. The code RATN0000102 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 RATN0000102 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 RATN0000102

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 RATN0000102 across all three.

NEFT to RBL Bank Limited, VASHI, NAVI MUMBAI using IFSC RATN0000102

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 RATN0000102, and confirm that the system picks up RBL Bank Limited – VASHI, NAVI MUMBAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC RATN0000102

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 – VASHI, NAVI MUMBAI, ensure your bank's portal accepts IFSC RATN0000102 while registering the beneficiary. RTGS is also available 24x7.

IMPS to RBL Bank Limited VASHI, NAVI MUMBAI (IFSC RATN0000102)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC RATN0000102 in your mobile or internet banking app, and the money is credited to the VASHI, NAVI MUMBAI branch account within seconds.

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

All three modes accept the IFSC RATN0000102 for RBL Bank Limited – VASHI, NAVI MUMBAI, 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 Vashi, Navi Mumbai 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 RATN0000102

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 – VASHI, NAVI MUMBAI is still mapped to IFSC RATN0000102. 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 RATN0000102 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Vashi, Navi Mumbai branch is mapped to IFSC RATN0000102 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 RATN0000102.

Banking services available

The Vashi, Navi Mumbai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2243020600.

• 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 RATN0000102

MICR & cheque-truncation details

Cheques drawn on the Vashi, Navi Mumbai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC RATN0000102 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC RATN0000102

RBL Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VASHI, NAVI MUMBAI 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 RATN0000102 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 RATN0000102

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 – VASHI, NAVI MUMBAI, 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: RATN0000102.
• 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.

Reaching the branch

The Vashi, Navi Mumbai branch sits at THE RATNAKAR BANK LTD,ARTI CHS LTD,PLOT 29, SECTOR 2,VASHI, NAVI MUMBAI,MAHARASHTRA 400 705. If you are travelling from outside Greater Bombay, search for the branch on a maps application using the bank name and locality, or call 2243020600 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC RATN0000102 and your account number.

Verifying IFSC RATN0000102 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 RATN0000102 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2243020600.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Vashi, Navi Mumbai 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 RATN0000102 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code RATN0000102 belongs to RBL Bank Limited's VASHI, NAVI MUMBAI branch, located at THE RATNAKAR BANK LTD,ARTI CHS LTD,PLOT 29, SECTOR 2,VASHI, NAVI… 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.