If you are searching for the IFSC code of RBL Bank Limited, KOTA branch in KOTA, RAJASTHAN, this page has every detail you need. The verified IFSC code for this branch is RATN0000540. 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 KOTA branch, and detailed step-by-step guides for using the IFSC RATN0000540 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, RATN0000540 is the IFSC of RBL Bank Limited's KOTA branch. The format is fixed: RATN = bank code, 0 = reserved, 000540 = branch identifier.
Branch details at a glance
| Bank Name | RBL Bank Limited |
|---|---|
| Branch | Kota |
| IFSC Code | RATN0000540 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RBL BANK LTD, PLOT NO.337-B, VALLABH NAGAR TO GHODEWALA BABA CIRCLE MAIL ROAD, VALLABH NAGAR KOTA, RAJASTHAN 324007 |
| City | Kota |
| District | Kota |
| State | Rajasthan |
About RBL Bank Limited
RBL Bank Limited operates a wide network of branches across India, including the Kota branch in Kota. 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, RATN0000540.
About this branch
The branch is located at RBL BANK LTD, PLOT NO.337-B, VALLABH NAGAR TO GHODEWALA BABA CIRCLE MAIL ROAD, VALLABH NAGAR KOTA, RAJASTHAN 324007. It serves the Kota 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 RATN0000540 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 KOTA of RBL Bank Limited — its own 11-character IFSC. The code RATN0000540 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 RATN0000540 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 RATN0000540
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 RATN0000540 across all three.
NEFT to RBL Bank Limited, KOTA using IFSC RATN0000540
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 RATN0000540, and confirm that the system picks up RBL Bank Limited – KOTA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC RATN0000540
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 – KOTA, ensure your bank's portal accepts IFSC RATN0000540 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to RBL Bank Limited – KOTA, use IMPS. With IFSC RATN0000540 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC RATN0000540 for RBL Bank Limited – KOTA, 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 – RATN0000540 | Yes – RATN0000540 | Yes – RATN0000540 |
For most retail customers crediting the Kota 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 RATN0000540
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 – KOTA is still mapped to IFSC RATN0000540. 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 RATN0000540 and the beneficiary's account number to complete the transfer.
Account types you can open at the Kota branch
Once you have an account at RBL Bank Limited – KOTA, the IFSC RATN0000540 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.
Products and services
Customers walking into the Kota branch can access most of RBL Bank Limited's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC RATN0000540
MICR & cheque-truncation details
Cheques drawn on the Kota branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC RATN0000540 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC RATN0000540
RBL Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KOTA 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 RATN0000540 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 RATN0000540
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 – KOTA, 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:
RATN0000540. - 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 Kota branch
The branch is located at RBL BANK LTD, PLOT NO.337-B, VALLABH NAGAR TO GHODEWALA BABA CIRCLE MAIL ROAD, VALLABH NAGAR KOTA, RAJASTHAN 324007, which puts it inside Kota, the broader Kota district, and the state of Rajasthan. To plan your visit:
- Open Google Maps on your phone and search for “RBL Bank Limited Kota branch” — the verified location pin for IFSC RATN0000540 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 RATN0000540 and your account number.
Verifying IFSC RATN0000540 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 RATN0000540 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- 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 Kota branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC RATN0000540, however, work 24x7.
Branch address & contact
RBL Bank LimitedKota Branch
RBL BANK LTD, PLOT NO.337-B, VALLABH NAGAR TO GHODEWALA BABA CIRCLE MAIL ROAD, VALLABH NAGAR KOTA, RAJASTHAN 324007
Kota, Rajasthan
Phone: the branch contact number
IFSC: RATN0000540
Frequently asked questions
Can I use IFSC RATN0000540 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC RATN0000540 to send funds instantly.
How do I add RBL Bank Limited Kota as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC RATN0000540, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC RATN0000540 the same for all accounts at Kota branch?
Yes. The IFSC RATN0000540 is shared by every account held at RBL Bank Limited's Kota branch. Only the account number changes from customer to customer.
What is the phone number of RBL Bank Limited Kota branch?
You can reach the branch at the branch contact number during regular banking hours.
How quickly will an NEFT transfer using RATN0000540 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to RBL Bank Limited – Kota reflect within 30 minutes.
Is IFSC RATN0000540 valid for NEFT and RTGS?
Yes. IFSC RATN0000540 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does RBL Bank Limited Kota branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
What is the IFSC code of RBL Bank Limited Kota branch?
The IFSC code of RBL Bank Limited, Kota branch is RATN0000540. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code RATN0000540 belongs to RBL Bank Limited's KOTA branch, located at RBL BANK LTD, PLOT NO.337-B, VALLABH NAGAR TO GHODEWALA BABA CIRCLE MAIL ROAD,… in KOTA, RAJASTHAN. 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.
