IFSC Code of RBL Bank Limited, Chalakudy Branch, Kerala

If you are searching for the IFSC code of RBL Bank Limited, CHALAKUDY branch in THRISSUR, KERALA, this page has every detail you need. The verified IFSC code for this branch is RATN0000622. 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 CHALAKUDY branch, and detailed step-by-step guides for using the IFSC RATN0000622 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For RBL Bank Limited's CHALAKUDY branch, the IFSC RATN0000622 breaks down as follows: RATN identifies the bank, 0 is the reserved character, and 000622 identifies this particular branch.

Branch details at a glance

About the bank

RBL Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chalakudy branch in Thrissur, Kerala is part of this network and uses the IFSC code RATN0000622 for all electronic settlement.

About the Chalakudy branch

The Chalakudy branch of RBL Bank Limited is situated at GROUND FLOOR, MALIYEKKAL JUNCTION ARCADE, CCMK JN, OLD NH, CHALAKUDY 680307 KERALA. 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 RATN0000622 is used.

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 CHALAKUDY branch came to be assigned the code RATN0000622.

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 RATN0000622, money simply cannot be routed to the CHALAKUDY branch electronically.

How to transfer money using IFSC RATN0000622

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 RATN0000622 across all three.

How to use IFSC RATN0000622 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to RBL Bank Limited's CHALAKUDY 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 RATN0000622.
4. Confirm the bank name auto-populates as RBL Bank Limited and the branch as CHALAKUDY.
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 RATN0000622

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 – CHALAKUDY, ensure your bank's portal accepts IFSC RATN0000622 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to RBL Bank Limited – CHALAKUDY, use IMPS. With IFSC RATN0000622 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 RATN0000622 for RBL Bank Limited – CHALAKUDY, 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 Chalakudy 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 RATN0000622

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 – CHALAKUDY is still mapped to IFSC RATN0000622. 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 RATN0000622 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Chalakudy branch is mapped to IFSC RATN0000622 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 RATN0000622.

Products and services

Customers walking into the Chalakudy 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 RATN0000622

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 RATN0000622 and the account number together uniquely identify the Chalakudy branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC RATN0000622

RBL Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHALAKUDY 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 RATN0000622 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.

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 – CHALAKUDY:

• The IFSC is exactly RATN0000622 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 CHALAKUDY 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.

How to reach the Chalakudy branch

The branch is located at GROUND FLOOR, MALIYEKKAL JUNCTION ARCADE, CCMK JN, OLD NH, CHALAKUDY 680307 KERALA, which puts it inside Thrissur, the broader Thrissur district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “RBL Bank Limited Chalakudy branch” — the verified location pin for IFSC RATN0000622 should appear at the top of the results.
2. Confirm the branch is open by calling 2262327777 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 RATN0000622 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC RATN0000622 for RBL Bank Limited – CHALAKUDY, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Chalakudy branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC RATN0000622, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code RATN0000622 belongs to RBL Bank Limited's CHALAKUDY branch, located at GROUND FLOOR, MALIYEKKAL JUNCTION ARCADE, CCMK JN, OLD NH, CHALAKUDY 680307… in THRISSUR, KERALA. 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.