IFSC Code of Abhyudaya Cooperative Bank, Ghatkopar Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Abhyudaya Cooperative Bank, GHATKOPAR branch in MUMBAI. The 11-digit IFSC ABHY0065007 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 GHATKOPAR 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.

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 GHATKOPAR branch, the IFSC ABHY0065007 breaks down as follows: ABHY identifies the bank, 0 is the reserved character, and 065007 identifies this particular branch.

About Abhyudaya Cooperative Bank

Abhyudaya Cooperative Bank operates a wide network of branches across India, including the Ghatkopar branch in Mumbai. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, ABHY0065007.

Branch details at a glance

About the Ghatkopar branch

The Ghatkopar branch of Abhyudaya Cooperative Bank is situated at UNIT NO 2 & 3, SILVER HARMONY BLDG,NEW MANIKLAL ESTATE, GHATKOPAR (WEST), MUMBAI-400086. 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 ABHY0065007 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 GHATKOPAR branch came to be assigned the code ABHY0065007.

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 ABHY0065007, money simply cannot be routed to the GHATKOPAR branch electronically.

Account types you can open at the Ghatkopar branch

Once you have an account at Abhyudaya Cooperative Bank – GHATKOPAR, the IFSC ABHY0065007 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 Ghatkopar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-25116673.

• 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 ABHY0065007

How to transfer money using IFSC ABHY0065007

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 ABHY0065007 across all three.

NEFT to Abhyudaya Cooperative Bank, GHATKOPAR using IFSC ABHY0065007

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 ABHY0065007, and confirm that the system picks up Abhyudaya Cooperative Bank – GHATKOPAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ABHY0065007

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Abhyudaya Cooperative Bank – GHATKOPAR, ensure your bank's portal accepts IFSC ABHY0065007 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Abhyudaya Cooperative Bank – GHATKOPAR, use IMPS. With IFSC ABHY0065007 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 Ghatkopar

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 ABHY0065007:

• 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 GHATKOPAR is still linked to IFSC ABHY0065007.

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 GHATKOPAR branch, the IFSC ABHY0065007 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 ABHY0065007

Abhyudaya Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the GHATKOPAR 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 ABHY0065007 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 ABHY0065007 and the account number together uniquely identify the Ghatkopar 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 – GHATKOPAR:

• The IFSC is exactly ABHY0065007 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 GHATKOPAR 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 Ghatkopar branch sits at UNIT NO 2 & 3, SILVER HARMONY BLDG,NEW MANIKLAL ESTATE, GHATKOPAR (WEST), MUMBAI-400086. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-25116673 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 ABHY0065007 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ABHY0065007 for Abhyudaya Cooperative Bank – GHATKOPAR, 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 Ghatkopar 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 ABHY0065007 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: ABHY0065007 is the IFSC code of Abhyudaya Cooperative Bank, GHATKOPAR branch, in MUMBAI, MAHARASHTRA. 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.