IFSC Code of RBL Bank Limited, Ambur-Vellore Branch, Tamil Nadu

Below are the complete branch details for RBL Bank Limited, AMBUR-VELLORE branch, located in VELLORE, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is RATN0000205. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case RATN0000205 for RBL Bank Limited – AMBUR-VELLORE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 AMBUR-VELLORE branch, the IFSC RATN0000205 breaks down as follows: RATN identifies the bank, 0 is the reserved character, and 000205 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 Ambur-Vellore branch in Vellore, Tamil Nadu is part of this network and uses the IFSC code RATN0000205 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at RBL BANK LIMITED, NO.73,S S AVENUE BY PASSROAD,MELKRISHNAPURAM,AMBUR635802. It serves the Vellore 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 RATN0000205 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 AMBUR-VELLORE branch came to be assigned the code RATN0000205.

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 RATN0000205, money simply cannot be routed to the AMBUR-VELLORE branch electronically.

Account types you can open at the Ambur-Vellore branch

Once you have an account at RBL Bank Limited – AMBUR-VELLORE, the IFSC RATN0000205 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 Ambur-Vellore 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 RATN0000205

How to transfer money using IFSC RATN0000205

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 RATN0000205 across all three.

NEFT to RBL Bank Limited, AMBUR-VELLORE using IFSC RATN0000205

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 RATN0000205, and confirm that the system picks up RBL Bank Limited – AMBUR-VELLORE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC RATN0000205

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 – AMBUR-VELLORE, ensure your bank's portal accepts IFSC RATN0000205 while registering the beneficiary. RTGS is also available 24x7.

IMPS to RBL Bank Limited AMBUR-VELLORE (IFSC RATN0000205)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC RATN0000205 in your mobile or internet banking app, and the money is credited to the AMBUR-VELLORE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ambur-Vellore

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 RATN0000205:

• 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 AMBUR-VELLORE is still linked to IFSC RATN0000205.

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 AMBUR-VELLORE branch, the IFSC RATN0000205 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.

Online banking and IFSC RATN0000205

RBL Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AMBUR-VELLORE 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 RATN0000205 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 RATN0000205 and the account number together uniquely identify the Ambur-Vellore branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – AMBUR-VELLORE:

• The IFSC is exactly RATN0000205 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 AMBUR-VELLORE 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.

Reaching the branch

The Ambur-Vellore branch sits at RBL BANK LIMITED, NO.73,S S AVENUE BY PASSROAD,MELKRISHNAPURAM,AMBUR635802. If you are travelling from outside Vellore, search for the branch on a maps application using the bank name and locality, or call 1-8001238040 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 RATN0000205 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC RATN0000205 for RBL Bank Limited – AMBUR-VELLORE, 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 Ambur-Vellore branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC RATN0000205, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code RATN0000205 belongs to RBL Bank Limited's AMBUR-VELLORE branch, located at RBL BANK LIMITED, NO.73,S S AVENUE BY PASSROAD,MELKRISHNAPURAM,AMBUR635802 in VELLORE, 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.