IFSC Code of RBL Bank Limited, Thane West Ram Maruti Branch, Maharashtra

If you are searching for the IFSC code of RBL Bank Limited, THANE WEST RAM MARUTI branch in THANE, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is RATN0000089. 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 THANE WEST RAM MARUTI branch, and detailed step-by-step guides for using the IFSC RATN0000089 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 – THANE WEST RAM MARUTI is RATN0000089. The first four letters RATN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000089 map to this branch in THANE, MAHARASHTRA.

Bank profile

RBL Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Thane West Ram Maruti branch — IFSC RATN0000089 — extends the bank's services to customers in and around Thane, Maharashtra.

About this branch

The branch is located at THE RATNAKAR BANK LTD. GR FLOOR, SHANKESHWAR ARCADE, RAM GANESH GADKARI PATH, RAM MARUTI CROSS ROAD, THANE W 400602.. It serves the Thane 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 RATN0000089 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 THANE WEST RAM MARUTI branch came to be assigned the code RATN0000089.

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 RATN0000089, money simply cannot be routed to the THANE WEST RAM MARUTI 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 RATN0000089 and the account number together uniquely identify the Thane West Ram Maruti branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC RATN0000089

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 RATN0000089 across all three.

NEFT to RBL Bank Limited, THANE WEST RAM MARUTI using IFSC RATN0000089

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 RATN0000089, and confirm that the system picks up RBL Bank Limited – THANE WEST RAM MARUTI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC RATN0000089

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 – THANE WEST RAM MARUTI, ensure your bank's portal accepts IFSC RATN0000089 while registering the beneficiary. RTGS is also available 24x7.

IMPS to RBL Bank Limited THANE WEST RAM MARUTI (IFSC RATN0000089)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC RATN0000089 in your mobile or internet banking app, and the money is credited to the THANE WEST RAM MARUTI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC RATN0000089 for RBL Bank Limited – THANE WEST RAM MARUTI, 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 Thane West Ram Maruti 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.

UPI payments and IFSC RATN0000089

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 – THANE WEST RAM MARUTI is still mapped to IFSC RATN0000089. 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 RATN0000089 and the beneficiary's account number to complete the transfer.

Account types you can open at the Thane West Ram Maruti branch

Once you have an account at RBL Bank Limited – THANE WEST RAM MARUTI, the IFSC RATN0000089 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.

Products and services

Customers walking into the Thane West Ram Maruti 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 RATN0000089

Online banking and IFSC RATN0000089

RBL Bank Limited customers can register for net banking and the bank's official mobile app once their account at the THANE WEST RAM MARUTI 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 RATN0000089 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.

How to reach the Thane West Ram Maruti branch

The branch is located at THE RATNAKAR BANK LTD. GR FLOOR, SHANKESHWAR ARCADE, RAM GANESH GADKARI PATH, RAM MARUTI CROSS ROAD, THANE W 400602., which puts it inside Thane, the broader Thane district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “RBL Bank Limited Thane West Ram Maruti branch” — the verified location pin for IFSC RATN0000089 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 RATN0000089 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 – THANE WEST RAM MARUTI:

• The IFSC is exactly RATN0000089 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 THANE WEST RAM MARUTI 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.

Working hours

Branch counters at Thane West Ram Maruti 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 RATN0000089 continue to work without interruption.

Verifying IFSC RATN0000089 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 RATN0000089 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

Frequently asked questions

Summary

The IFSC code RATN0000089 belongs to RBL Bank Limited's THANE WEST RAM MARUTI branch, located at THE RATNAKAR BANK LTD. GR FLOOR, SHANKESHWAR ARCADE, RAM GANESH GADKARI PATH,… in THANE, 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.