This page lists the IFSC code, branch address, contact number and fund-transfer information for RBL Bank Limited, PANRUTI branch in PANRUTI. The 11-digit IFSC RATN0000122 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with RBL Bank Limited at the PANRUTI location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for RBL Bank Limited – PANRUTI is RATN0000122. The first four letters RATN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000122 map to this branch in PANRUTI, TAMIL NADU.
Bank profile
RBL Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Panruti branch — IFSC RATN0000122 — extends the bank's services to customers in and around Panruti, Tamil Nadu.
About the Panruti branch
The Panruti branch of RBL Bank Limited is situated at RBL BANK LTD NO 68/7 KAMARAJ NAGAR ANNAI INDIRA GANDHI SALAI CUDDALORE DIST PANRUTI. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code RATN0000122 is used.
Branch details at a glance
| Bank Name | RBL Bank Limited |
|---|---|
| Branch | Panruti |
| IFSC Code | RATN0000122 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RBL BANK LTD NO 68/7 KAMARAJ NAGAR ANNAI INDIRA GANDHI SALAI CUDDALORE DIST PANRUTI |
| City | Panruti |
| District | Cuddalore |
| State | Tamil Nadu |
| STD Code | 4142 |
| Phone | 245112 |
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 PANRUTI of RBL Bank Limited — its own 11-character IFSC. The code RATN0000122 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 RATN0000122 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Panruti branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC RATN0000122 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC RATN0000122
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 RATN0000122 across all three.
NEFT to RBL Bank Limited, PANRUTI using IFSC RATN0000122
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 RATN0000122, and confirm that the system picks up RBL Bank Limited – PANRUTI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC RATN0000122
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 – PANRUTI, ensure your bank's portal accepts IFSC RATN0000122 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to RBL Bank Limited – PANRUTI, use IMPS. With IFSC RATN0000122 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 Panruti
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 RATN0000122:
- 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 PANRUTI is still linked to IFSC RATN0000122.
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 PANRUTI branch, the IFSC RATN0000122 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 Panruti branch is mapped to IFSC RATN0000122 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 RATN0000122.
Banking services available
The Panruti branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4142-245112.
- 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 RATN0000122
Digital banking channels
Most day-to-day work that customers used to do at the Panruti 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 RATN0000122 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.
Reaching the branch
The Panruti branch sits at RBL BANK LTD NO 68/7 KAMARAJ NAGAR ANNAI INDIRA GANDHI SALAI CUDDALORE DIST PANRUTI. If you are travelling from outside Panruti, search for the branch on a maps application using the bank name and locality, or call 4142-245112 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 RATN0000122 and your account number.
Common mistakes to avoid when using IFSC RATN0000122
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 – PANRUTI, 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:
RATN0000122. - 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.
Working hours
Branch counters at Panruti 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 RATN0000122 continue to work without interruption.
Verifying IFSC RATN0000122 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 RATN0000122 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4142-245112.
- Visiting the bank's official branch locator page.
Branch address & contact
RBL Bank LimitedPanruti Branch
RBL BANK LTD NO 68/7 KAMARAJ NAGAR ANNAI INDIRA GANDHI SALAI CUDDALORE DIST PANRUTI
Panruti, Tamil Nadu
Phone: 4142-245112
IFSC: RATN0000122
Frequently asked questions
Is IFSC RATN0000122 the same for all accounts at Panruti branch?
Yes. The IFSC RATN0000122 is shared by every account held at RBL Bank Limited's Panruti branch. Only the account number changes from customer to customer.
How do I add RBL Bank Limited Panruti as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC RATN0000122, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of RBL Bank Limited Panruti branch?
The IFSC code of RBL Bank Limited, Panruti branch is RATN0000122. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC RATN0000122 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC RATN0000122 to send funds instantly.
How quickly will an NEFT transfer using RATN0000122 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to RBL Bank Limited – Panruti reflect within 30 minutes.
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 Panruti branch but serve different purposes.
Where is RBL Bank Limited Panruti branch located?
RBL Bank Limited's Panruti branch is located at RBL BANK LTD NO 68/7 KAMARAJ NAGAR ANNAI INDIRA GANDHI SALAI CUDDALORE DIST PANRUTI, Panruti, Tamil Nadu.
What is the phone number of RBL Bank Limited Panruti branch?
You can reach the branch at 4142-245112 during regular banking hours.
Summary
The IFSC code RATN0000122 belongs to RBL Bank Limited's PANRUTI branch, located at RBL BANK LTD NO 68/7 KAMARAJ NAGAR ANNAI INDIRA GANDHI SALAI CUDDALORE DIST… in PANRUTI, TAMIL NADU. 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.
