IFSC Code of Abhyudaya Cooperative Bank, Airoli Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Abhyudaya Cooperative Bank, AIROLI branch in MUMBAI. The 11-digit IFSC ABHY0065032 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 AIROLI 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, ABHY0065032 is the IFSC of Abhyudaya Cooperative Bank's AIROLI branch. The format is fixed: ABHY = bank code, 0 = reserved, 065032 = branch identifier.

Bank profile

Abhyudaya Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Airoli branch — IFSC ABHY0065032 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Branch details at a glance

About the Airoli branch

The Airoli branch of Abhyudaya Cooperative Bank is situated at ABHYUDAYA BANK BLDG., PLOT NO.26 SECTOR 17, AIROLI, NAVI MUMBAI-400701. 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 ABHY0065032 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 AIROLI branch came to be assigned the code ABHY0065032.

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 ABHY0065032, money simply cannot be routed to the AIROLI branch electronically.

Products and account variants supported

Every account opened at the Airoli branch is mapped to IFSC ABHY0065032 on the RBI payments network. The branch generally supports the full retail product catalogue of Abhyudaya Cooperative Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains ABHY0065032.

Products and services

Customers walking into the Airoli 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 ABHY0065032

How to transfer money using IFSC ABHY0065032

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 ABHY0065032 across all three.

How to use IFSC ABHY0065032 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Abhyudaya Cooperative Bank's AIROLI 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 ABHY0065032.
4. Confirm the bank name auto-populates as Abhyudaya Cooperative Bank and the branch as AIROLI.
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 AIROLI

If you need to transfer ₹2 lakh or more in one go to an account at Abhyudaya Cooperative Bank's AIROLI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ABHY0065032 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 – AIROLI, use IMPS. With IFSC ABHY0065032 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 Airoli

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 ABHY0065032:

• 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 AIROLI is still linked to IFSC ABHY0065032.

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 AIROLI branch, the IFSC ABHY0065032 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 ABHY0065032

Abhyudaya Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the AIROLI 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 ABHY0065032 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 ABHY0065032 and the account number together uniquely identify the Airoli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC ABHY0065032

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Abhyudaya Cooperative Bank – AIROLI, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: ABHY0065032.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Airoli branch

The branch is located at ABHYUDAYA BANK BLDG., PLOT NO.26 SECTOR 17, AIROLI, NAVI MUMBAI-400701, which puts it inside Mumbai, the broader Greater Mumbai district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Abhyudaya Cooperative Bank Airoli branch” — the verified location pin for IFSC ABHY0065032 should appear at the top of the results.
2. Confirm the branch is open by calling 22-27792043 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 ABHY0065032 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ABHY0065032 for Abhyudaya Cooperative Bank – AIROLI, 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 Airoli 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 ABHY0065032 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ABHY0065032 belongs to Abhyudaya Cooperative Bank's AIROLI branch, located at ABHYUDAYA BANK BLDG., PLOT NO.26 SECTOR 17, AIROLI, NAVI MUMBAI-400701 in MUMBAI, 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.