If you are searching for the IFSC code of RBL Bank Limited, BHADVAN branch in KOLHAPUR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is RATN0000054. 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 BHADVAN branch, and detailed step-by-step guides for using the IFSC RATN0000054 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.
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, RATN0000054 is the IFSC of RBL Bank Limited's BHADVAN branch. The format is fixed: RATN = bank code, 0 = reserved, 000054 = branch identifier.
Branch details at a glance
| Bank Name | RBL Bank Limited |
|---|---|
| Branch | Bhadvan |
| IFSC Code | RATN0000054 |
| MICR Code | Refer to cheque leaf |
| Branch Address | THE RATNAKAR BANK LTD,A/P BHADVAN,TALUKA AJARA,DIST. KOLHAPUR 416 505. |
| City | Kolhapur |
| District | Kolhapur |
| State | Maharashtra |
About the bank
RBL Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bhadvan branch in Kolhapur, Maharashtra is part of this network and uses the IFSC code RATN0000054 for all electronic settlement.
About this branch
The branch is located at THE RATNAKAR BANK LTD,A/P BHADVAN,TALUKA AJARA,DIST. KOLHAPUR 416 505.. It serves the Kolhapur 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 RATN0000054 is used to identify this branch on the RBI payments network.
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 BHADVAN branch came to be assigned the code RATN0000054.
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 RATN0000054, money simply cannot be routed to the BHADVAN branch electronically.
How to transfer money using IFSC RATN0000054
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 RATN0000054 across all three.
NEFT to RBL Bank Limited, BHADVAN using IFSC RATN0000054
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 RATN0000054, and confirm that the system picks up RBL Bank Limited – BHADVAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC RATN0000054
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 – BHADVAN, ensure your bank's portal accepts IFSC RATN0000054 while registering the beneficiary. RTGS is also available 24x7.
IMPS to RBL Bank Limited BHADVAN (IFSC RATN0000054)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC RATN0000054 in your mobile or internet banking app, and the money is credited to the BHADVAN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC RATN0000054 for RBL Bank Limited – BHADVAN, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – RATN0000054 | Yes – RATN0000054 | Yes – RATN0000054 |
For most retail customers crediting the Bhadvan 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.
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 BHADVAN branch, the IFSC RATN0000054 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.
Account types you can open at the Bhadvan branch
Once you have an account at RBL Bank Limited – BHADVAN, the IFSC RATN0000054 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 Bhadvan 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 RATN0000054
MICR & cheque-truncation details
Cheques drawn on the Bhadvan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC RATN0000054 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 Bhadvan 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 RATN0000054 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.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to RBL Bank Limited – BHADVAN:
- The IFSC is exactly RATN0000054 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills RBL Bank Limited as the bank name and BHADVAN as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Reaching the branch
The Bhadvan branch sits at THE RATNAKAR BANK LTD,A/P BHADVAN,TALUKA AJARA,DIST. KOLHAPUR 416 505.. If you are travelling from outside Kolhapur, 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 RATN0000054 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC RATN0000054 for RBL Bank Limited – BHADVAN, 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.
Working hours
Branch counters at Bhadvan 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 RATN0000054 continue to work without interruption.
Branch address & contact
RBL Bank LimitedBhadvan Branch
THE RATNAKAR BANK LTD,A/P BHADVAN,TALUKA AJARA,DIST. KOLHAPUR 416 505.
Kolhapur, Maharashtra
Phone: the branch contact number
IFSC: RATN0000054
Frequently asked questions
How quickly will an NEFT transfer using RATN0000054 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to RBL Bank Limited – Bhadvan reflect within 30 minutes.
Where is RBL Bank Limited Bhadvan branch located?
RBL Bank Limited's Bhadvan branch is located at THE RATNAKAR BANK LTD,A/P BHADVAN,TALUKA AJARA,DIST. KOLHAPUR 416 505., Kolhapur, Maharashtra.
Does RBL Bank Limited Bhadvan branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Is IFSC RATN0000054 valid for NEFT and RTGS?
Yes. IFSC RATN0000054 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Bhadvan branch but serve different purposes.
How do I add RBL Bank Limited Bhadvan as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC RATN0000054, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC RATN0000054 the same for all accounts at Bhadvan branch?
Yes. The IFSC RATN0000054 is shared by every account held at RBL Bank Limited's Bhadvan branch. Only the account number changes from customer to customer.
Final notes
To recap: RATN0000054 is the IFSC code of RBL Bank Limited, BHADVAN branch, in KOLHAPUR, MAHARASHTRA. 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.
