This page lists the IFSC code, branch address, contact number and fund-transfer information for RBL Bank Limited, SECTOR THIRTY ONE GURUGRAM branch in GURUGRAM. The 11-digit IFSC RATN0000401 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 SECTOR THIRTY ONE GURUGRAM 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 – SECTOR THIRTY ONE GURUGRAM is RATN0000401. The first four letters RATN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000401 map to this branch in GURUGRAM, HARYANA.
Branch details at a glance
| Bank Name | RBL Bank Limited |
|---|---|
| Branch | Sector Thirty One Gurugram |
| IFSC Code | RATN0000401 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SCO-31 SECTOR-31 GUGUGRAM HARYANA 122003 |
| City | Gurugram |
| District | Gurugram |
| State | Haryana |
About RBL Bank Limited
RBL Bank Limited operates a wide network of branches across India, including the Sector Thirty One Gurugram branch in Gurugram. 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, RATN0000401.
Sector Thirty One Gurugram branch overview
Located at SCO-31 SECTOR-31 GUGUGRAM HARYANA 122003, the Sector Thirty One Gurugram branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC RATN0000401 is required for all interbank electronic transfers routed through this branch.
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 SECTOR THIRTY ONE GURUGRAM of RBL Bank Limited — its own 11-character IFSC. The code RATN0000401 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 RATN0000401 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 RATN0000401
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 RATN0000401 across all three.
How to use IFSC RATN0000401 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to RBL Bank Limited's SECTOR THIRTY ONE GURUGRAM 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 RATN0000401.
- Confirm the bank name auto-populates as RBL Bank Limited and the branch as SECTOR THIRTY ONE GURUGRAM.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC RATN0000401
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 – SECTOR THIRTY ONE GURUGRAM, ensure your bank's portal accepts IFSC RATN0000401 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to RBL Bank Limited – SECTOR THIRTY ONE GURUGRAM, use IMPS. With IFSC RATN0000401 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 Sector Thirty One Gurugram
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 RATN0000401:
- 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 SECTOR THIRTY ONE GURUGRAM is still linked to IFSC RATN0000401.
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 RATN0000401
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 – SECTOR THIRTY ONE GURUGRAM is still mapped to IFSC RATN0000401. 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 RATN0000401 and the beneficiary's account number to complete the transfer.
Account types you can open at the Sector Thirty One Gurugram branch
Once you have an account at RBL Bank Limited – SECTOR THIRTY ONE GURUGRAM, the IFSC RATN0000401 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.
Banking services available
The Sector Thirty One Gurugram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 RATN0000401
MICR & cheque-truncation details
Cheques drawn on the Sector Thirty One Gurugram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC RATN0000401 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Sector Thirty One Gurugram 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 RATN0000401 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.
Common mistakes to avoid when using IFSC RATN0000401
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 – SECTOR THIRTY ONE GURUGRAM, 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:
RATN0000401. - 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 Sector Thirty One Gurugram branch
The branch is located at SCO-31 SECTOR-31 GUGUGRAM HARYANA 122003, which puts it inside Gurugram, the broader Gurugram district, and the state of Haryana. To plan your visit:
- Open Google Maps on your phone and search for “RBL Bank Limited Sector Thirty One Gurugram branch” — the verified location pin for IFSC RATN0000401 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 RATN0000401 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC RATN0000401 for RBL Bank Limited – SECTOR THIRTY ONE GURUGRAM, 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 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 Sector Thirty One Gurugram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC RATN0000401, however, work 24x7.
Branch address & contact
RBL Bank LimitedSector Thirty One Gurugram Branch
SCO-31 SECTOR-31 GUGUGRAM HARYANA 122003
Gurugram, Haryana
Phone: the branch contact number
IFSC: RATN0000401
Frequently asked questions
What is the phone number of RBL Bank Limited Sector Thirty One Gurugram branch?
You can reach the branch at the branch contact number during regular banking hours.
Where is RBL Bank Limited Sector Thirty One Gurugram branch located?
RBL Bank Limited's Sector Thirty One Gurugram branch is located at SCO-31 SECTOR-31 GUGUGRAM HARYANA 122003, Gurugram, Haryana.
Is IFSC RATN0000401 valid for NEFT and RTGS?
Yes. IFSC RATN0000401 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of RBL Bank Limited Sector Thirty One Gurugram branch?
The IFSC code of RBL Bank Limited, Sector Thirty One Gurugram branch is RATN0000401. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using RATN0000401 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to RBL Bank Limited – Sector Thirty One Gurugram reflect within 30 minutes.
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 Sector Thirty One Gurugram branch but serve different purposes.
Is IFSC RATN0000401 the same for all accounts at Sector Thirty One Gurugram branch?
Yes. The IFSC RATN0000401 is shared by every account held at RBL Bank Limited's Sector Thirty One Gurugram branch. Only the account number changes from customer to customer.
Final notes
To recap: RATN0000401 is the IFSC code of RBL Bank Limited, SECTOR THIRTY ONE GURUGRAM branch, in GURUGRAM, HARYANA. 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.
