IFSC Code of Abhyudaya Cooperative Bank, Vikhroli (east) Branch, Maharashtra

If you are searching for the IFSC code of Abhyudaya Cooperative Bank, VIKHROLI (EAST) branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is ABHY0065072. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the VIKHROLI (EAST) branch, and detailed step-by-step guides for using the IFSC ABHY0065072 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, ABHY0065072 is the IFSC of Abhyudaya Cooperative Bank's VIKHROLI (EAST) branch. The format is fixed: ABHY = bank code, 0 = reserved, 065072 = branch identifier.

Bank profile

Abhyudaya Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Vikhroli (east) branch — IFSC ABHY0065072 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Branch details at a glance

Vikhroli (east) branch overview

Located at SHOP NO. 3, B WING, BUILDING NO. 87, "KANNAMWAR NAGAR RAIGAD CO-OP. HSG. SOC. LTD., KANNAMWAR NAGAR, VIKHROLI (E), MUMBAI - 400 083, the Vikhroli (east) branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ABHY0065072 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 VIKHROLI (EAST) of Abhyudaya Cooperative Bank — its own 11-character IFSC. The code ABHY0065072 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 ABHY0065072 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 Vikhroli (east) branch is mapped to IFSC ABHY0065072 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 ABHY0065072.

Products and services

Customers walking into the Vikhroli (east) 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 ABHY0065072

How to transfer money using IFSC ABHY0065072

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 ABHY0065072 across all three.

How to use IFSC ABHY0065072 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Abhyudaya Cooperative Bank's VIKHROLI (EAST) 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 ABHY0065072.
4. Confirm the bank name auto-populates as Abhyudaya Cooperative Bank and the branch as VIKHROLI (EAST).
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC ABHY0065072

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 – VIKHROLI (EAST), ensure your bank's portal accepts IFSC ABHY0065072 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Abhyudaya Cooperative Bank VIKHROLI (EAST) (IFSC ABHY0065072)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ABHY0065072 in your mobile or internet banking app, and the money is credited to the VIKHROLI (EAST) branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Vikhroli (east)

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 ABHY0065072:

• 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 VIKHROLI (EAST) is still linked to IFSC ABHY0065072.

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 ABHY0065072

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 – VIKHROLI (EAST) is still mapped to IFSC ABHY0065072. 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 ABHY0065072 and the beneficiary's account number to complete the transfer.

Online banking and IFSC ABHY0065072

Abhyudaya Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the VIKHROLI (EAST) 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 ABHY0065072 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 ABHY0065072 and the account number together uniquely identify the Vikhroli (east) 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 – VIKHROLI (EAST):

• The IFSC is exactly ABHY0065072 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 VIKHROLI (EAST) 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 Vikhroli (east) branch sits at SHOP NO. 3, B WING, BUILDING NO. 87, "KANNAMWAR NAGAR RAIGAD CO-OP. HSG. SOC. LTD., KANNAMWAR NAGAR, VIKHROLI (E), MUMBAI - 400 083. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-25791070 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 ABHY0065072 and your account number.

Verifying IFSC ABHY0065072 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 ABHY0065072 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-25791070.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Vikhroli (east) 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 ABHY0065072 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: ABHY0065072 is the IFSC code of Abhyudaya Cooperative Bank, VIKHROLI (EAST) 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.