IFSC Code of RBL Bank Limited, Katargam,Surat Branch, Gujarat

If you are searching for the IFSC code of RBL Bank Limited, KATARGAM,SURAT branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is RATN0000589. 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 KATARGAM,SURAT branch, and detailed step-by-step guides for using the IFSC RATN0000589 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.

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 – KATARGAM,SURAT is RATN0000589. The first four letters RATN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000589 map to this branch in SURAT, GUJARAT.

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 Katargam,Surat branch — IFSC RATN0000589 — extends the bank's services to customers in and around Surat, Gujarat.

About this branch

The branch is located at MAHER IT PARK, NEAR BADA GANESH MANDIR, KATARGAM, SURAT-395004. It serves the Surat 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 RATN0000589 is used to identify this branch on the RBI payments network.

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 KATARGAM,SURAT branch came to be assigned the code RATN0000589.

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 RATN0000589, money simply cannot be routed to the KATARGAM,SURAT branch electronically.

How to transfer money using IFSC RATN0000589

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 RATN0000589 across all three.

How to use IFSC RATN0000589 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to RBL Bank Limited's KATARGAM,SURAT 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 RATN0000589.
4. Confirm the bank name auto-populates as RBL Bank Limited and the branch as KATARGAM,SURAT.
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 KATARGAM,SURAT

If you need to transfer ₹2 lakh or more in one go to an account at RBL Bank Limited's KATARGAM,SURAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC RATN0000589 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 – KATARGAM,SURAT, use IMPS. With IFSC RATN0000589 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 RATN0000589 for RBL Bank Limited – KATARGAM,SURAT, 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.

For most retail customers crediting the Katargam,Surat 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.

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 KATARGAM,SURAT branch, the IFSC RATN0000589 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.

Account types you can open at the Katargam,Surat branch

Once you have an account at RBL Bank Limited – KATARGAM,SURAT, the IFSC RATN0000589 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 Katargam,Surat branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.

• 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 RATN0000589

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 RATN0000589 and the account number together uniquely identify the Katargam,Surat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Katargam,Surat 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 RATN0000589 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.

Common mistakes to avoid when using IFSC RATN0000589

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 – KATARGAM,SURAT, 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: RATN0000589.
• 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.

Reaching the branch

The Katargam,Surat branch sits at MAHER IT PARK, NEAR BADA GANESH MANDIR, KATARGAM, SURAT-395004. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 0 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 RATN0000589 and your account number.

Verifying IFSC RATN0000589 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 RATN0000589 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Katargam,Surat 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 RATN0000589 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: RATN0000589 is the IFSC code of RBL Bank Limited, KATARGAM,SURAT branch, in SURAT, GUJARAT. 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.