IFSC Code of RBL Bank Limited, Panajim Branch, Goa

If you are searching for the IFSC code of RBL Bank Limited, PANAJIM branch in PANAJI, GOA, this page has every detail you need. The verified IFSC code for this branch is RATN0000082. 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 PANAJIM branch, and detailed step-by-step guides for using the IFSC RATN0000082 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, RATN0000082 is the IFSC of RBL Bank Limited's PANAJIM branch. The format is fixed: RATN = bank code, 0 = reserved, 000082 = branch identifier.

Bank profile

RBL Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Panajim branch — IFSC RATN0000082 — extends the bank's services to customers in and around Panaji, Goa.

Branch details at a glance

About this branch

The branch is located at THE RATNAKAR BANK LTD,SHOP NO.G 10 11,NIZAMAR CENTRE,GROUND FLOOR, DR. ATMARAM ROAD,PANAJI, GOA 403 001.. It serves the Panaji 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 RATN0000082 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 PANAJIM of RBL Bank Limited — its own 11-character IFSC. The code RATN0000082 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 RATN0000082 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Panajim branch is mapped to IFSC RATN0000082 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 RATN0000082.

Banking services available

The Panajim 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 RATN0000082

How to transfer money using IFSC RATN0000082

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 RATN0000082 across all three.

How to use IFSC RATN0000082 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to RBL Bank Limited's PANAJIM 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 RATN0000082.
4. Confirm the bank name auto-populates as RBL Bank Limited and the branch as PANAJIM.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC RATN0000082

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 – PANAJIM, ensure your bank's portal accepts IFSC RATN0000082 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to RBL Bank Limited – PANAJIM, use IMPS. With IFSC RATN0000082 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 Panajim

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 RATN0000082:

• 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 PANAJIM is still linked to IFSC RATN0000082.

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 PANAJIM branch, the IFSC RATN0000082 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.

Online banking and IFSC RATN0000082

RBL Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PANAJIM 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 RATN0000082 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.

MICR & cheque-truncation details

Cheques drawn on the Panajim branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC RATN0000082 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC RATN0000082

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 – PANAJIM, 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: RATN0000082.
• 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 Panajim branch

The branch is located at THE RATNAKAR BANK LTD,SHOP NO.G 10 11,NIZAMAR CENTRE,GROUND FLOOR, DR. ATMARAM ROAD,PANAJI, GOA 403 001., which puts it inside Panaji, the broader North Goa district, and the state of Goa. To plan your visit:

1. Open Google Maps on your phone and search for “RBL Bank Limited Panajim branch” — the verified location pin for IFSC RATN0000082 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. 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 RATN0000082 and your account number.

Verifying IFSC RATN0000082 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 RATN0000082 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 Panajim branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC RATN0000082, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: RATN0000082 is the IFSC code of RBL Bank Limited, PANAJIM branch, in PANAJI, GOA. 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.