IFSC Code of Abhyudaya Cooperative Bank, Mangalore Branch, Karnataka

Use this page as a one-stop reference for everything related to Abhyudaya Cooperative Bank's MANGALORE branch in MANGALORE, KARNATAKA. The branch's IFSC code ABHY0065306 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 MANGALORE branch, the IFSC ABHY0065306 breaks down as follows: ABHY identifies the bank, 0 is the reserved character, and 065306 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 Mangalore branch in Mangalore, Karnataka is part of this network and uses the IFSC code ABHY0065306 for all electronic settlement.

Branch details at a glance

About the Mangalore branch

The Mangalore branch of Abhyudaya Cooperative Bank is situated at SHOP NO. 4, JANVI PLAZA, NEAR BUNTS HOSTEL, KARANGLAPADY, MANGALORE-575003. 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 ABHY0065306 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 MANGALORE branch came to be assigned the code ABHY0065306.

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 ABHY0065306, money simply cannot be routed to the MANGALORE branch electronically.

Account types you can open at the Mangalore branch

Once you have an account at Abhyudaya Cooperative Bank – MANGALORE, the IFSC ABHY0065306 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.

Banking services available

The Mangalore branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 820-2423067.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC ABHY0065306

How to transfer money using IFSC ABHY0065306

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 ABHY0065306 across all three.

NEFT to Abhyudaya Cooperative Bank, MANGALORE using IFSC ABHY0065306

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 ABHY0065306, and confirm that the system picks up Abhyudaya Cooperative Bank – MANGALORE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MANGALORE

If you need to transfer ₹2 lakh or more in one go to an account at Abhyudaya Cooperative Bank's MANGALORE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ABHY0065306 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Abhyudaya Cooperative Bank – MANGALORE, use IMPS. With IFSC ABHY0065306 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Mangalore

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC ABHY0065306:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at MANGALORE is still linked to IFSC ABHY0065306.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Abhyudaya Cooperative Bank's MANGALORE branch, the IFSC ABHY0065306 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC ABHY0065306

Abhyudaya Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the MANGALORE 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 ABHY0065306 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 ABHY0065306 and the account number together uniquely identify the Mangalore 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 – MANGALORE:

• The IFSC is exactly ABHY0065306 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 MANGALORE 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 Mangalore branch

The branch is located at SHOP NO. 4, JANVI PLAZA, NEAR BUNTS HOSTEL, KARANGLAPADY, MANGALORE-575003, which puts it inside Mangalore, the broader Dakshina Kannada district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Abhyudaya Cooperative Bank Mangalore branch” — the verified location pin for IFSC ABHY0065306 should appear at the top of the results.
2. Confirm the branch is open by calling 820-2423067 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 ABHY0065306 and your account number.

Verifying IFSC ABHY0065306 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm ABHY0065306 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 820-2423067.
• Visiting the bank's official branch locator page.

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 Mangalore branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ABHY0065306, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: ABHY0065306 is the IFSC code of Abhyudaya Cooperative Bank, MANGALORE branch, in MANGALORE, KARNATAKA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.