IFSC Code of Abhyudaya Cooperative Bank, RTGS-HO Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Abhyudaya Cooperative Bank, RTGS-HO branch in MUMBAI. The 11-digit IFSC ABHY0065001 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 RTGS-HO 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, ABHY0065001 is the IFSC of Abhyudaya Cooperative Bank's RTGS-HO branch. The format is fixed: ABHY = bank code, 0 = reserved, 065001 = branch identifier.

About the bank

Abhyudaya Cooperative Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its RTGS-HO branch in Mumbai, Maharashtra is part of this network and uses the IFSC code ABHY0065001 for all electronic settlement.

Branch details at a glance

RTGS-HO branch overview

Located at Abhyudaya Building, Kamal Nath Marg,Nehru Nagar, KURLA - EAST,MUMBAI-400024, the RTGS-HO branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ABHY0065001 is required for all interbank electronic transfers routed through this branch.

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 RTGS-HO of Abhyudaya Cooperative Bank — its own 11-character IFSC. The code ABHY0065001 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 ABHY0065001 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the RTGS-HO branch is mapped to IFSC ABHY0065001 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 ABHY0065001.

Banking services available

The RTGS-HO branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9653261383.

• 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 ABHY0065001

How to transfer money using IFSC ABHY0065001

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 ABHY0065001 across all three.

NEFT to Abhyudaya Cooperative Bank, RTGS-HO using IFSC ABHY0065001

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 ABHY0065001, and confirm that the system picks up Abhyudaya Cooperative Bank – RTGS-HO. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RTGS-HO

If you need to transfer ₹2 lakh or more in one go to an account at Abhyudaya Cooperative Bank's RTGS-HO branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ABHY0065001 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 – RTGS-HO, use IMPS. With IFSC ABHY0065001 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC ABHY0065001 for Abhyudaya Cooperative Bank – RTGS-HO, 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 RTGS-HO 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.

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 RTGS-HO branch, the IFSC ABHY0065001 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 ABHY0065001

Abhyudaya Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the RTGS-HO 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 ABHY0065001 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 RTGS-HO branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ABHY0065001 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC ABHY0065001

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 – RTGS-HO, 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: ABHY0065001.
• 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.

Reaching the branch

The RTGS-HO branch sits at Abhyudaya Building, Kamal Nath Marg,Nehru Nagar, KURLA - EAST,MUMBAI-400024. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 9653261383 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 ABHY0065001 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ABHY0065001 for Abhyudaya Cooperative Bank – RTGS-HO, 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.

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 RTGS-HO branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ABHY0065001, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: ABHY0065001 is the IFSC code of Abhyudaya Cooperative Bank, RTGS-HO 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.