RBL Bank (RBL) IFSC Code — Complete Guide
RBL Bank (formerly Ratnakar Bank) is a private sector bank founded in 1943 in Kolhapur. After a major transformation in 2010 under new leadership, the bank rebranded as RBL Bank and rapidly expanded. Today with 550+ branches across 28 states, RBL is known for its credit card business (one of India's largest card issuers), microfinance, and development banking initiatives.
How to Find RBL IFSC Code
- Use the search tool above — select state, district and branch
- Check your RBL cheque book — IFSC printed at top of every leaf
- Open your RBL passbook — front page shows IFSC code
- Log in to RBL net banking → Account Details
Using RBL IFSC for Transfers
- NEFT: Enter IFSC when adding beneficiary. Settled in 30 minutes.
- RTGS: For transfers above ₹2 lakh. Settled in real time.
- IMPS: 24×7 instant transfers up to ₹5 lakh.
- International: Use SWIFT code RATNINBB (not IFSC) for overseas transfers.
NEFT, RTGS and IMPS Timings
- NEFT: Available 24×7 including weekends. Settled in 30-minute batches. No minimum amount.
- RTGS: Available 24×7. Minimum ₹2 lakh. Real-time gross settlement.
- IMPS: Instant 24×7. Up to ₹5 lakh per transaction. Credited immediately.
Difference Between IFSC and MICR Code
IFSC (11 alphanumeric characters) is used for online transfers — NEFT, RTGS, IMPS. MICR (9 numeric digits) is printed at the bottom of cheques using magnetic ink for cheque clearing. IFSC is for digital transfers; MICR is for paper cheques. Both are branch-specific and unique per branch.
How to Verify an IFSC Code
Always verify IFSC codes before initiating transfers, especially for large amounts. Use the search tool above to cross-check any IFSC against the official database. An IFSC code should be exactly 11 characters, start with 4 letters (bank code), have a 0 as the 5th character, and end with 6 alphanumeric characters.