IFSC Code of RBL Bank Limited, Ambedkar Garden Chembur East Branch, Maharashtra

Below are the complete branch details for RBL Bank Limited, AMBEDKAR GARDEN CHEMBUR EAST branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is RATN0000284. 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 RATN0000284 for RBL Bank Limited – AMBEDKAR GARDEN CHEMBUR EAST — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For RBL Bank Limited's AMBEDKAR GARDEN CHEMBUR EAST branch, the IFSC RATN0000284 breaks down as follows: RATN identifies the bank, 0 is the reserved character, and 000284 identifies this particular branch.

Branch details at a glance

Bank profile

RBL Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ambedkar Garden Chembur East branch — IFSC RATN0000284 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Ambedkar Garden Chembur East branch overview

Located at SAMRUDDHI PLOT NO 157 18TH ROAD NEAR AMBEDKAR GARDEN CHEMBUR EAST MUMBAI 400071, the Ambedkar Garden Chembur East branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC RATN0000284 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 AMBEDKAR GARDEN CHEMBUR EAST branch came to be assigned the code RATN0000284.

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 RATN0000284, money simply cannot be routed to the AMBEDKAR GARDEN CHEMBUR EAST branch electronically.

How to transfer money using IFSC RATN0000284

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 RATN0000284 across all three.

How to use IFSC RATN0000284 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to RBL Bank Limited's AMBEDKAR GARDEN CHEMBUR EAST 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC RATN0000284.
4. Confirm the bank name auto-populates as RBL Bank Limited and the branch as AMBEDKAR GARDEN CHEMBUR EAST.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to AMBEDKAR GARDEN CHEMBUR EAST

If you need to transfer ₹2 lakh or more in one go to an account at RBL Bank Limited's AMBEDKAR GARDEN CHEMBUR EAST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC RATN0000284 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to RBL Bank Limited – AMBEDKAR GARDEN CHEMBUR EAST, use IMPS. With IFSC RATN0000284 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 Ambedkar Garden Chembur East

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 RATN0000284:

• 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 AMBEDKAR GARDEN CHEMBUR EAST is still linked to IFSC RATN0000284.

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.

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 AMBEDKAR GARDEN CHEMBUR EAST branch, the IFSC RATN0000284 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.

Products and account variants supported

Every account opened at the Ambedkar Garden Chembur East branch is mapped to IFSC RATN0000284 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 RATN0000284.

Products and services

Customers walking into the Ambedkar Garden Chembur East 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 RATN0000284

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 RATN0000284 and the account number together uniquely identify the Ambedkar Garden Chembur East branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC RATN0000284

RBL Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AMBEDKAR GARDEN CHEMBUR EAST 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 RATN0000284 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.

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 – AMBEDKAR GARDEN CHEMBUR EAST:

• The IFSC is exactly RATN0000284 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 AMBEDKAR GARDEN CHEMBUR EAST 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 Ambedkar Garden Chembur East branch sits at SAMRUDDHI PLOT NO 157 18TH ROAD NEAR AMBEDKAR GARDEN CHEMBUR EAST MUMBAI 400071. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-1800123804 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 RATN0000284 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC RATN0000284 for RBL Bank Limited – AMBEDKAR GARDEN CHEMBUR EAST, 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 Ambedkar Garden Chembur East 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 RATN0000284 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code RATN0000284 belongs to RBL Bank Limited's AMBEDKAR GARDEN CHEMBUR EAST branch, located at SAMRUDDHI PLOT NO 157 18TH ROAD NEAR AMBEDKAR GARDEN CHEMBUR EAST MUMBAI 400071 in MUMBAI, 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.