IFSC Code of Abhyudaya Cooperative Bank, Kalyan (e) Branch, Maharashtra

Use this page as a one-stop reference for everything related to Abhyudaya Cooperative Bank's KALYAN (E) branch in KALYAN, MAHARASHTRA. The branch's IFSC code ABHY0065066 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Abhyudaya Cooperative Bank's KALYAN (E) branch, the IFSC ABHY0065066 breaks down as follows: ABHY identifies the bank, 0 is the reserved character, and 065066 identifies this particular branch.

About the bank

Abhyudaya Cooperative Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kalyan (e) branch in Kalyan, Maharashtra is part of this network and uses the IFSC code ABHY0065066 for all electronic settlement.

Branch details at a glance

About the Kalyan (e) branch

The Kalyan (e) branch of Abhyudaya Cooperative Bank is situated at KHUSHI HEIGHTS, POONA LINK ROAD, OPP. NITIN RAJ HOTEL, KATEMANIVALI, KALYAN (E), DIST. THANE - 421 306.. 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 ABHY0065066 is used.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Abhyudaya Cooperative Bank's KALYAN (E) branch came to be assigned the code ABHY0065066.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC ABHY0065066, money simply cannot be routed to the KALYAN (E) branch electronically.

Account types you can open at the Kalyan (e) branch

Once you have an account at Abhyudaya Cooperative Bank – KALYAN (E), the IFSC ABHY0065066 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 Kalyan (e) 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 ABHY0065066

How to transfer money using IFSC ABHY0065066

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 ABHY0065066 across all three.

How to use IFSC ABHY0065066 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Abhyudaya Cooperative Bank's KALYAN (E) branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC ABHY0065066.
4. Confirm the bank name auto-populates as Abhyudaya Cooperative Bank and the branch as KALYAN (E).
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to KALYAN (E)

If you need to transfer ₹2 lakh or more in one go to an account at Abhyudaya Cooperative Bank's KALYAN (E) branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ABHY0065066 while initiating the transfer and the credit will appear within minutes.

IMPS to Abhyudaya Cooperative Bank KALYAN (E) (IFSC ABHY0065066)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ABHY0065066 in your mobile or internet banking app, and the money is credited to the KALYAN (E) branch account within seconds.

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

All three modes accept the IFSC ABHY0065066 for Abhyudaya Cooperative Bank – KALYAN (E), 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 Kalyan (e) 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 ABHY0065066

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 – KALYAN (E) is still mapped to IFSC ABHY0065066. 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 ABHY0065066 and the beneficiary's account number to complete the transfer.

Online banking and IFSC ABHY0065066

Abhyudaya Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the KALYAN (E) 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 ABHY0065066 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 & cheque-truncation details

Cheques drawn on the Kalyan (e) branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ABHY0065066 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – KALYAN (E):

• The IFSC is exactly ABHY0065066 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 KALYAN (E) 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.

Reaching the branch

The Kalyan (e) branch sits at KHUSHI HEIGHTS, POONA LINK ROAD, OPP. NITIN RAJ HOTEL, KATEMANIVALI, KALYAN (E), DIST. THANE - 421 306.. If you are travelling from outside Kalyan, search for the branch on a maps application using the bank name and locality, or call 251-2362365 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC ABHY0065066 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ABHY0065066 for Abhyudaya Cooperative Bank – KALYAN (E), 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.

Working hours

Branch counters at Kalyan (e) are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to ABHY0065066 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ABHY0065066 belongs to Abhyudaya Cooperative Bank's KALYAN (E) branch, located at KHUSHI HEIGHTS, POONA LINK ROAD, OPP. NITIN RAJ HOTEL, KATEMANIVALI, KALYAN… in KALYAN, 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.