RBL Bank Varaccha Surat Branch IFSC Code
RBL Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Varaccha Surat Branch
District
Surat
State
Gujarat
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4 nearby branches — click to view IFSC
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Vesu Surat Guj (vesu Main Road Vesu Main - 0467)
Shop No.8, Ground Floor, Shubh Universal, Opp. Vijayalaxmi Hall, Vesu Main Road, Vesu Main Road, Vesu, Surat -395007
Adajan Surat (green City Road Adajan Surat - 0588)
Shop No. C/2, Situated At Sapphire Business Hub, Nr. Madhuvan Circle, Green City Road, Adajan, Surat - 395009
Frequently Asked Questions
About RBL Bank Varaccha Surat Branch (mangaldeep Complex Near Baug - 0313), Surat
The IFSC code RATN0000313 (lowercase: ratn0000313) belongs to RBL Bank, specifically the Varaccha Surat Branch (mangaldeep Complex Near Baug - 0313) branch located in Surat, Gujarat.
The 5th character in the IFSC code RATN0000313 is a zero (0), not the letter 'O'. The correct format is RATN0000313 (lowercase: ratn0000313), and not RATNO000313. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of RBL Bank Varaccha Surat Branch (mangaldeep Complex Near Baug - 0313) in Surat, Gujarat is RATN0000313. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
RBL Bank Varaccha Surat Branch (mangaldeep Complex Near Baug - 0313) is located at Shop No G-5 Mangaldeep Complex, Near Baug Circle,varaccha Surat-395006, Surat, Gujarat. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of RBL Bank Varaccha Surat Branch (mangaldeep Complex Near Baug - 0313) is 395176004. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code RATN0000313 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 RATN0000313 by checking: (1) The top-left corner of any RBL Bank Varaccha Surat Branch (mangaldeep Complex Near Baug - 0313) cheque leaf, (2) The first page of your RBL 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: RATN0000313
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
RATN0000313
What Each Part Means
- Bank Code — RATN
- The first 4 characters uniquely identify RBL Bank at the national level. Every branch of RBL 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 — 000313
- The final 6 characters 000313 uniquely identify this specific branch within the RBL 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 | RATN | Identifies RBL Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 000313 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
RBL Bank
Varaccha Surat Branch (mangaldeep Complex Near Baug - 0313), Surat, Gujarat
Cheque No.
00000313
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 | RATN0000313 | 395176004 |
| 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.