The Ratnakar Bank Ltd Kozhikode Branch IFSC Code — RATN0000328
Kozhikode, Kerala • PIN 673004
IFSC
RATN0000328
MICR
673176002
Branch code
000328
PIN
673004
The IFSC code for The Ratnakar Bank Ltd, Kozhikode Branch branch in Kozhikode, Kerala is RATN0000328. Use this code as the beneficiary IFSC when sending money to any account held at this branch via NEFT, RTGS, IMPS, or NACH. The MICR code 673176002 is used for cheque clearing and NACH mandate setup. The branch is located at GROUND FLOOR, AKS ENCLAVE, MINI BYPASS ROAD, PUTHIYARA JUNCTION, PUTHIYARA, KOZHIKODE, KERALA-.
Transfer rails supported at this branch
| Rail | Settlement | Limit | Use IFSC? |
|---|---|---|---|
| NEFT | 30-min batches, 24×7 | None | RATN0000328 |
| RTGS | Real-time | ≥ ₹2 lakh | RATN0000328 |
| IMPS | Instant, 24×7 | ₹5 lakh/txn | RATN0000328 |
| NACH | 2-3 business days | Mandate-based | RATN0000328 + MICR |
| UPI | Instant | ₹1 lakh/day | Not needed (handle-based) |
Next steps
- Understand hidden NEFT / IMPS / RTGS fees → Hidden ATM, IMPS, NEFT & RTGS bank fees exposed
- UPI vs IMPS — which is faster and cheaper? → UPI transaction limits 2026 (every category exception)
- Opening a new account? → Best savings account interest rates — SFB vs big banks
- Worried your deposit is safe? → DICGC deposit insurance — is your money safe?
- More The Ratnakar Bank Ltd branches → All The Ratnakar Bank Ltd IFSC codes
More The Ratnakar Bank Ltd branches
- Patliputra, Patna — RATN0000390
- Kamrej, Surat — RATN0000267
- Science City, Ahmedabad, Ahmedabad — RATN0000482
- Gurgaon, Gurgaon — RATN0000116
- Faridabad, Haryana, Faridabad — RATN0000191
Frequently asked questions
What is the IFSC code for The Ratnakar Bank Ltd, Kozhikode Branch?
The IFSC code for The Ratnakar Bank Ltd, Kozhikode Branch branch in Kozhikode, Kerala is RATN0000328. Use this 11-character code for NEFT, RTGS, and IMPS transfers to any account at this branch.
What is the MICR code for this branch?
The MICR code for The Ratnakar Bank Ltd, Kozhikode Branch is 673176002. MICR codes are printed on the bottom of cheque leaves and are required for NACH auto-debit mandate setup.
Is this branch on NEFT, RTGS, IMPS, and UPI?
Yes. The Ratnakar Bank Ltd supports NEFT, RTGS, and IMPS at all branches including Kozhikode Branch. UPI works at the customer level (linked to your account), not the branch level.
Where is The Ratnakar Bank Ltd, Kozhikode Branch located?
The Ratnakar Bank Ltd, Kozhikode Branch is located at: GROUND FLOOR, AKS ENCLAVE, MINI BYPASS ROAD, PUTHIYARA JUNCTION, PUTHIYARA, KOZHIKODE, KERALA-. PIN code: 673004.
How do I transfer money to The Ratnakar Bank Ltd, Kozhikode Branch?
Open your bank's net banking or UPI app, choose NEFT/RTGS/IMPS as the transfer mode, enter the beneficiary account number, the IFSC code RATN0000328, and the recipient's name as on bank records. Funds typically settle within 30 minutes for NEFT/IMPS and instantly for RTGS (above ₹2 lakh).
What is the difference between NEFT, RTGS, and IMPS?
NEFT settles in 30-minute batches 24×7. RTGS is real-time but only for transfers ≥ ₹2 lakh. IMPS is instant, 24×7, with per-transaction limits varying by bank (typically ₹5 lakh). All three need the same IFSC code: RATN0000328.
Can I receive international wire transfers at this branch?
Only if the branch is also SWIFT-enabled. The Ratnakar Bank Ltd has a separate SWIFT code (BIC) used by its international correspondent banks. Confirm whether Kozhikode Branch accepts inbound USD/EUR/GBP wires before sharing the IFSC with an overseas sender.
How do I set up a NACH auto-debit mandate using this IFSC?
Provide the IFSC RATN0000328, MICR 673176002, your account number, and a cancelled cheque image to the requesting party (SIP, EMI, insurance, or SaaS subscription). The mandate clears in 2-3 business days after submission.
Is the IFSC code the same as the branch code?
No. The last 6 characters of an IFSC (here: 000328) are the branch identifier within the bank, but the IFSC itself is the only code banks use for inter-bank transfers. The first 4 characters (RATN) identify The Ratnakar Bank Ltd.
What if the IFSC code on this page is wrong?
This data is sourced from the RBI public IFSC dataset, refreshed monthly. If you spot an error, report it via the feedback link in the site footer — we cross-check against the bank's net banking portal and update within 48 hours.
Source: RBI public IFSC dataset, last refreshed 2026-06-08. Always cross-check the IFSC on your bank's net banking portal or passbook before high-value transfers. HonestMoney.in is not affiliated with The Ratnakar Bank Ltd or the Reserve Bank of India.