IFSC Code of Abhyudaya Cooperative Bank, Kandivali (west) Branch, Maharashtra

Use this page as a one-stop reference for everything related to Abhyudaya Cooperative Bank's KANDIVALI (WEST) branch in MUMBAI, MAHARASHTRA. The branch's IFSC code ABHY0065051 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 KANDIVALI (WEST) branch, the IFSC ABHY0065051 breaks down as follows: ABHY identifies the bank, 0 is the reserved character, and 065051 identifies this particular branch.

About Abhyudaya Cooperative Bank

Abhyudaya Cooperative Bank operates a wide network of branches across India, including the Kandivali (west) 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, ABHY0065051.

Kandivali (west) branch overview

Located at KANDIVLI (W) BRANCH, SHOP NO.7, VIJAYBHARTI CO-OP. HSG. SOCIETY, SECTOR - II CHARKOP, KANDIVALI (W), MUMBAI 400067, the Kandivali (west) branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ABHY0065051 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 KANDIVALI (WEST) of Abhyudaya Cooperative Bank — its own 11-character IFSC. The code ABHY0065051 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 ABHY0065051 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Kandivali (west) branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ABHY0065051 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC ABHY0065051

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 ABHY0065051 across all three.

How to use IFSC ABHY0065051 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Abhyudaya Cooperative Bank's KANDIVALI (WEST) 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 ABHY0065051.
4. Confirm the bank name auto-populates as Abhyudaya Cooperative Bank and the branch as KANDIVALI (WEST).
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 KANDIVALI (WEST)

If you need to transfer ₹2 lakh or more in one go to an account at Abhyudaya Cooperative Bank's KANDIVALI (WEST) branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ABHY0065051 while initiating the transfer and the credit will appear within minutes.

IMPS to Abhyudaya Cooperative Bank KANDIVALI (WEST) (IFSC ABHY0065051)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ABHY0065051 in your mobile or internet banking app, and the money is credited to the KANDIVALI (WEST) branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kandivali (west)

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 ABHY0065051:

• 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 KANDIVALI (WEST) is still linked to IFSC ABHY0065051.

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.

UPI payments and IFSC ABHY0065051

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 – KANDIVALI (WEST) is still mapped to IFSC ABHY0065051. 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 ABHY0065051 and the beneficiary's account number to complete the transfer.

Account types you can open at the Kandivali (west) branch

Once you have an account at Abhyudaya Cooperative Bank – KANDIVALI (WEST), the IFSC ABHY0065051 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 Kandivali (west) branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-28678031.

• 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 ABHY0065051

Online banking and IFSC ABHY0065051

Abhyudaya Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the KANDIVALI (WEST) 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 ABHY0065051 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.

How to reach the Kandivali (west) branch

The branch is located at KANDIVLI (W) BRANCH, SHOP NO.7, VIJAYBHARTI CO-OP. HSG. SOCIETY, SECTOR - II CHARKOP, KANDIVALI (W), MUMBAI 400067, which puts it inside Mumbai, the broader Mumbai district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Abhyudaya Cooperative Bank Kandivali (west) branch” — the verified location pin for IFSC ABHY0065051 should appear at the top of the results.
2. Confirm the branch is open by calling 22-28678031 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 ABHY0065051 and your account number.

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 – KANDIVALI (WEST):

• The IFSC is exactly ABHY0065051 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 KANDIVALI (WEST) 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.

Working hours

Branch counters at Kandivali (west) 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 ABHY0065051 continue to work without interruption.

Verifying IFSC ABHY0065051 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 ABHY0065051 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-28678031.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: ABHY0065051 is the IFSC code of Abhyudaya Cooperative Bank, KANDIVALI (WEST) 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.