Below are the complete branch details for RBL Bank Limited, CHURCHGATE branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is RATN0000459. 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 RATN0000459 for RBL Bank Limited – CHURCHGATE — 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, RATN0000459 is the IFSC of RBL Bank Limited's CHURCHGATE branch. The format is fixed: RATN = bank code, 0 = reserved, 000459 = branch identifier.
About the bank
RBL Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Churchgate branch in Mumbai, Maharashtra is part of this network and uses the IFSC code RATN0000459 for all electronic settlement.
About this branch
The branch is located at APARTMENT NO 18, GROUND FLOOR, MOTI MAHAL,J TATA ROAD, CHURCHGATE, MUMBAI 400020. It serves the Mumbai 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 RATN0000459 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | RBL Bank Limited |
|---|---|
| Branch | Churchgate |
| IFSC Code | RATN0000459 |
| MICR Code | Refer to cheque leaf |
| Branch Address | APARTMENT NO 18, GROUND FLOOR, MOTI MAHAL,J TATA ROAD, CHURCHGATE, MUMBAI 400020 |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
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 CHURCHGATE branch came to be assigned the code RATN0000459.
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 RATN0000459, money simply cannot be routed to the CHURCHGATE branch electronically.
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 RATN0000459 and the account number together uniquely identify the Churchgate branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC RATN0000459
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 RATN0000459 across all three.
How to use IFSC RATN0000459 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to RBL Bank Limited's CHURCHGATE 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 RATN0000459.
- Confirm the bank name auto-populates as RBL Bank Limited and the branch as CHURCHGATE.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC RATN0000459
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 – CHURCHGATE, ensure your bank's portal accepts IFSC RATN0000459 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to RBL Bank Limited – CHURCHGATE, use IMPS. With IFSC RATN0000459 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 Churchgate
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 RATN0000459:
- 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 CHURCHGATE is still linked to IFSC RATN0000459.
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 RATN0000459
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 – CHURCHGATE is still mapped to IFSC RATN0000459. 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 RATN0000459 and the beneficiary's account number to complete the transfer.
Account types you can open at the Churchgate branch
Once you have an account at RBL Bank Limited – CHURCHGATE, the IFSC RATN0000459 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 Churchgate 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 RATN0000459
Online banking and IFSC RATN0000459
RBL Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHURCHGATE 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 RATN0000459 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.
Reaching the branch
The Churchgate branch sits at APARTMENT NO 18, GROUND FLOOR, MOTI MAHAL,J TATA ROAD, CHURCHGATE, MUMBAI 400020. If you are travelling from outside Mumbai, 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 RATN0000459 and your account number.
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 – CHURCHGATE:
- The IFSC is exactly RATN0000459 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 CHURCHGATE 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.
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 Churchgate branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC RATN0000459, however, work 24x7.
Verifying IFSC RATN0000459 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 RATN0000459 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 address & contact
RBL Bank LimitedChurchgate Branch
APARTMENT NO 18, GROUND FLOOR, MOTI MAHAL,J TATA ROAD, CHURCHGATE, MUMBAI 400020
Mumbai, Maharashtra
Phone: the branch contact number
IFSC: RATN0000459
Frequently asked questions
How quickly will an NEFT transfer using RATN0000459 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to RBL Bank Limited – Churchgate reflect within 30 minutes.
What is the phone number of RBL Bank Limited Churchgate branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC RATN0000459 the same for all accounts at Churchgate branch?
Yes. The IFSC RATN0000459 is shared by every account held at RBL Bank Limited's Churchgate branch. Only the account number changes from customer to customer.
Can I use IFSC RATN0000459 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC RATN0000459 to send funds instantly.
Does RBL Bank Limited Churchgate 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 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 Churchgate branch but serve different purposes.
How do I add RBL Bank Limited Churchgate as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC RATN0000459, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC RATN0000459 valid for NEFT and RTGS?
Yes. IFSC RATN0000459 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code RATN0000459 belongs to RBL Bank Limited's CHURCHGATE branch, located at APARTMENT NO 18, GROUND FLOOR, MOTI MAHAL,J TATA ROAD, CHURCHGATE, MUMBAI 400020 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.
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