Ratnagiri District Central Co Operative Bank Ratnagiri District Central Co-operative Bank Imps IFSC Code
Ratnagiri District Central Co Operative Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Ratnagiri District Central Co-operative Bank Imps
Address
Ratnagiri District Central Co Op Bank,sahakar Bhavan,jawahar Road,ratnagiri,pin 415612
View on Google MapsDistrict
Ratnagiri
State
Maharashtra
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Frequently Asked Questions
About Ratnagiri District Central Co Operative Bank Ratnagiri District Central Co-operative Bank Imps (bhavan Jawahar Road Ratnagir - 4rdc), Ratnagiri
The IFSC code IBKL0574RDC (lowercase: ibkl0574rdc) belongs to Ratnagiri District Central Co Operative Bank, specifically the Ratnagiri District Central Co-operative Bank Imps (bhavan Jawahar Road Ratnagir - 4rdc) branch located in Ratnagiri, Maharashtra.
The 5th character in the IFSC code IBKL0574RDC is a zero (0), not the letter 'O'. The correct format is IBKL0574RDC (lowercase: ibkl0574rdc), and not IBKLO574RDC. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Ratnagiri District Central Co Operative Bank Ratnagiri District Central Co-operative Bank Imps (bhavan Jawahar Road Ratnagir - 4rdc) in Ratnagiri, Maharashtra is IBKL0574RDC. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Ratnagiri District Central Co Operative Bank Ratnagiri District Central Co-operative Bank Imps (bhavan Jawahar Road Ratnagir - 4rdc) is located at Ratnagiri District Central Co Op Bank,sahakar Bhavan,jawahar Road,ratnagiri,pin 415612, Ratnagiri, Maharashtra. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Ratnagiri District Central Co Operative Bank Ratnagiri District Central Co-operative Bank Imps (bhavan Jawahar Road Ratnagir - 4rdc) is 415803000. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code IBKL0574RDC is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code IBKL0574RDC by checking: (1) The top-left corner of any Ratnagiri District Central Co Operative Bank Ratnagiri District Central Co-operative Bank Imps (bhavan Jawahar Road Ratnagir - 4rdc) cheque leaf, (2) The first page of your Ratnagiri District Central Co Operative Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: IBKL0574RDC
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
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IBKL0574RDC
What Each Part Means
- Bank Code — IBKL
- The first 4 characters uniquely identify Ratnagiri District Central Co Operative Bank at the national level. Every branch of Ratnagiri District Central Co Operative Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 574RDC
- The final 6 characters 574RDC uniquely identify this specific branch within the Ratnagiri District Central Co Operative Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | IBKL | Identifies Ratnagiri District Central Co Operative Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 574RDC | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
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Ratnagiri District Central Co Operative Bank
Ratnagiri District Central Co-operative Bank Imps (bhavan Jawahar Road Ratnagir - 4rdc), Ratnagiri, Maharashtra
Cheque No.
00000574
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | IBKL0574RDC | 415803000 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.