IFSC Code of RBL Bank Limited, Valasaravakkam Branch, Tamil Nadu

If you are searching for the IFSC code of RBL Bank Limited, VALASARAVAKKAM branch in VALASARAVAKKAM, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is RATN0000394. 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 VALASARAVAKKAM branch, and detailed step-by-step guides for using the IFSC RATN0000394 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 VALASARAVAKKAM branch, the IFSC RATN0000394 breaks down as follows: RATN identifies the bank, 0 is the reserved character, and 000394 identifies this particular branch.

About the bank

RBL Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Valasaravakkam branch in Valasaravakkam, Tamil Nadu is part of this network and uses the IFSC code RATN0000394 for all electronic settlement.

Branch details at a glance

Valasaravakkam branch overview

Located at GROUND FLOOR, 175, ARCOT ROAD, PALANIAPPA NAGAR, VALASARAVAKKAM, CHENNAI - 600087, the Valasaravakkam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC RATN0000394 is required for all interbank electronic transfers routed through this branch.

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 VALASARAVAKKAM branch came to be assigned the code RATN0000394.

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 RATN0000394, money simply cannot be routed to the VALASARAVAKKAM branch electronically.

Products and account variants supported

Every account opened at the Valasaravakkam branch is mapped to IFSC RATN0000394 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 RATN0000394.

Products and services

Customers walking into the Valasaravakkam 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 RATN0000394

How to transfer money using IFSC RATN0000394

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 RATN0000394 across all three.

NEFT to RBL Bank Limited, VALASARAVAKKAM using IFSC RATN0000394

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 RATN0000394, and confirm that the system picks up RBL Bank Limited – VALASARAVAKKAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VALASARAVAKKAM

If you need to transfer ₹2 lakh or more in one go to an account at RBL Bank Limited's VALASARAVAKKAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC RATN0000394 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 – VALASARAVAKKAM, use IMPS. With IFSC RATN0000394 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 Valasaravakkam

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 RATN0000394:

• 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 VALASARAVAKKAM is still linked to IFSC RATN0000394.

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.

UPI payments and IFSC RATN0000394

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 – VALASARAVAKKAM is still mapped to IFSC RATN0000394. 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 RATN0000394 and the beneficiary's account number to complete the transfer.

Online banking and IFSC RATN0000394

RBL Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VALASARAVAKKAM 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 RATN0000394 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 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 RATN0000394 and the account number together uniquely identify the Valasaravakkam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC RATN0000394

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 – VALASARAVAKKAM, 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: RATN0000394.
• 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 Valasaravakkam branch

The branch is located at GROUND FLOOR, 175, ARCOT ROAD, PALANIAPPA NAGAR, VALASARAVAKKAM, CHENNAI - 600087, which puts it inside Valasaravakkam, the broader Chennai district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “RBL Bank Limited Valasaravakkam branch” — the verified location pin for IFSC RATN0000394 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 RATN0000394 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC RATN0000394 for RBL Bank Limited – VALASARAVAKKAM, 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 Valasaravakkam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC RATN0000394, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code RATN0000394 belongs to RBL Bank Limited's VALASARAVAKKAM branch, located at GROUND FLOOR, 175, ARCOT ROAD, PALANIAPPA NAGAR, VALASARAVAKKAM, CHENNAI -… in VALASARAVAKKAM, 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.