IFSC Code of Abhyudaya Cooperative Bank, Garkheda Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Abhyudaya Cooperative Bank, GARKHEDA branch in AURANGABAD. The 11-digit IFSC ABHY0065119 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Abhyudaya Cooperative Bank at the GARKHEDA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Abhyudaya Cooperative Bank – GARKHEDA is ABHY0065119. The first four letters ABHY are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 065119 map to this branch in AURANGABAD, MAHARASHTRA.

About the bank

Abhyudaya Cooperative Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Garkheda branch in Aurangabad, Maharashtra is part of this network and uses the IFSC code ABHY0065119 for all electronic settlement.

Branch details at a glance

About the Garkheda branch

The Garkheda branch of Abhyudaya Cooperative Bank is situated at SHOP NO.1 & 2, MALANI CHAMBERS, PLOT NO.5, SHIVAJI NAGAR ROAD, GARKHEDA, AURANGABAD 431005. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code ABHY0065119 is used.

Why every Abhyudaya Cooperative Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including GARKHEDA of Abhyudaya Cooperative Bank — its own 11-character IFSC. The code ABHY0065119 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC ABHY0065119 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Garkheda branch

Once you have an account at Abhyudaya Cooperative Bank – GARKHEDA, the IFSC ABHY0065119 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 Garkheda branch can access most of Abhyudaya Cooperative Bank'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 ABHY0065119

How to transfer money using IFSC ABHY0065119

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 ABHY0065119 across all three.

NEFT to Abhyudaya Cooperative Bank, GARKHEDA using IFSC ABHY0065119

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 ABHY0065119, and confirm that the system picks up Abhyudaya Cooperative Bank – GARKHEDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GARKHEDA

If you need to transfer ₹2 lakh or more in one go to an account at Abhyudaya Cooperative Bank's GARKHEDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ABHY0065119 while initiating the transfer and the credit will appear within minutes.

IMPS to Abhyudaya Cooperative Bank GARKHEDA (IFSC ABHY0065119)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ABHY0065119 in your mobile or internet banking app, and the money is credited to the GARKHEDA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC ABHY0065119 for Abhyudaya Cooperative Bank – GARKHEDA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Garkheda branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC ABHY0065119

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Abhyudaya Cooperative Bank – GARKHEDA is still mapped to IFSC ABHY0065119. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC ABHY0065119 and the beneficiary's account number to complete the transfer.

Online banking and IFSC ABHY0065119

Abhyudaya Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the GARKHEDA 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 ABHY0065119 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 Abhyudaya Cooperative Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC ABHY0065119 and the account number together uniquely identify the Garkheda 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 Abhyudaya Cooperative Bank – GARKHEDA:

• The IFSC is exactly ABHY0065119 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Abhyudaya Cooperative Bank as the bank name and GARKHEDA 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.

How to reach the Garkheda branch

The branch is located at SHOP NO.1 & 2, MALANI CHAMBERS, PLOT NO.5, SHIVAJI NAGAR ROAD, GARKHEDA, AURANGABAD 431005, which puts it inside Aurangabad, the broader Aurangabad district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Abhyudaya Cooperative Bank Garkheda branch” — the verified location pin for IFSC ABHY0065119 should appear at the top of the results.
2. Confirm the branch is open by calling 240-2405659 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC ABHY0065119 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ABHY0065119 for Abhyudaya Cooperative Bank – GARKHEDA, 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 Garkheda branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ABHY0065119, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ABHY0065119 belongs to Abhyudaya Cooperative Bank's GARKHEDA branch, located at SHOP NO.1 & 2, MALANI CHAMBERS, PLOT NO.5, SHIVAJI NAGAR ROAD, GARKHEDA,… in AURANGABAD, MAHARASHTRA. 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.