IFSC Code of RBL Bank Limited, Gujral Nagar Jalandhar Branch, Punjab

Below are the complete branch details for RBL Bank Limited, GUJRAL NAGAR JALANDHAR branch, located in JALANDHAR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is RATN0000545. 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 RATN0000545 for RBL Bank Limited – GUJRAL NAGAR JALANDHAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, RATN0000545 is the IFSC of RBL Bank Limited's GUJRAL NAGAR JALANDHAR branch. The format is fixed: RATN = bank code, 0 = reserved, 000545 = branch identifier.

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 Gujral Nagar Jalandhar branch in Jalandhar, Punjab is part of this network and uses the IFSC code RATN0000545 for all electronic settlement.

Gujral Nagar Jalandhar branch overview

Located at ALZA TOWER, 2 MAHAVIR MARG, GUJRAL NAGAR, JALANDHAR PUNJAB - 144003, the Gujral Nagar Jalandhar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC RATN0000545 is required for all interbank electronic transfers routed through this branch.

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 GUJRAL NAGAR JALANDHAR branch came to be assigned the code RATN0000545.

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 RATN0000545, money simply cannot be routed to the GUJRAL NAGAR JALANDHAR branch electronically.

How to transfer money using IFSC RATN0000545

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 RATN0000545 across all three.

NEFT to RBL Bank Limited, GUJRAL NAGAR JALANDHAR using IFSC RATN0000545

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 RATN0000545, and confirm that the system picks up RBL Bank Limited – GUJRAL NAGAR JALANDHAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GUJRAL NAGAR JALANDHAR

If you need to transfer ₹2 lakh or more in one go to an account at RBL Bank Limited's GUJRAL NAGAR JALANDHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC RATN0000545 while initiating the transfer and the credit will appear within minutes.

IMPS to RBL Bank Limited GUJRAL NAGAR JALANDHAR (IFSC RATN0000545)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC RATN0000545 in your mobile or internet banking app, and the money is credited to the GUJRAL NAGAR JALANDHAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Gujral Nagar Jalandhar

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 RATN0000545:

• 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 GUJRAL NAGAR JALANDHAR is still linked to IFSC RATN0000545.

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 RATN0000545

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 – GUJRAL NAGAR JALANDHAR is still mapped to IFSC RATN0000545. 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 RATN0000545 and the beneficiary's account number to complete the transfer.

Account types you can open at the Gujral Nagar Jalandhar branch

Once you have an account at RBL Bank Limited – GUJRAL NAGAR JALANDHAR, the IFSC RATN0000545 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 Gujral Nagar Jalandhar 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 RATN0000545

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by RBL Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC RATN0000545 and the account number together uniquely identify the Gujral Nagar Jalandhar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Gujral Nagar Jalandhar 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 RATN0000545 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 RATN0000545

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 – GUJRAL NAGAR JALANDHAR, 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: RATN0000545.
• 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 Gujral Nagar Jalandhar branch sits at ALZA TOWER, 2 MAHAVIR MARG, GUJRAL NAGAR, JALANDHAR PUNJAB - 144003. If you are travelling from outside Jalandhar, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 RATN0000545 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC RATN0000545 for RBL Bank Limited – GUJRAL NAGAR JALANDHAR, 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 Gujral Nagar Jalandhar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC RATN0000545, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code RATN0000545 belongs to RBL Bank Limited's GUJRAL NAGAR JALANDHAR branch, located at ALZA TOWER, 2 MAHAVIR MARG, GUJRAL NAGAR, JALANDHAR PUNJAB - 144003 in JALANDHAR, PUNJAB. 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.