IFSC Code of Abhyudaya Cooperative Bank, Ambad Branch, Maharashtra

Use this page as a one-stop reference for everything related to Abhyudaya Cooperative Bank's AMBAD branch in NASHIK, MAHARASHTRA. The branch's IFSC code ABHY0065117 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Abhyudaya Cooperative Bank – AMBAD is ABHY0065117. The first four letters ABHY are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 065117 map to this branch in NASHIK, MAHARASHTRA.

About Abhyudaya Cooperative Bank

Abhyudaya Cooperative Bank operates a wide network of branches across India, including the Ambad branch in Nashik. 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, ABHY0065117.

Branch details at a glance

Ambad branch overview

Located at SHO NO.1-5, LOTUS PLAZA, TRIMURTI CHOWK, AMBAD-LINK ROAD, CIDCO, NEW NASHIK NASHIK-422008, the Ambad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ABHY0065117 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 AMBAD of Abhyudaya Cooperative Bank — its own 11-character IFSC. The code ABHY0065117 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 ABHY0065117 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Ambad branch

Once you have an account at Abhyudaya Cooperative Bank – AMBAD, the IFSC ABHY0065117 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 Ambad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 253-2399714.

• 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 ABHY0065117

How to transfer money using IFSC ABHY0065117

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 ABHY0065117 across all three.

NEFT to Abhyudaya Cooperative Bank, AMBAD using IFSC ABHY0065117

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 ABHY0065117, and confirm that the system picks up Abhyudaya Cooperative Bank – AMBAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ABHY0065117

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 – AMBAD, ensure your bank's portal accepts IFSC ABHY0065117 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Abhyudaya Cooperative Bank AMBAD (IFSC ABHY0065117)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ABHY0065117 in your mobile or internet banking app, and the money is credited to the AMBAD branch account within seconds.

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

All three modes accept the IFSC ABHY0065117 for Abhyudaya Cooperative Bank – AMBAD, 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 Ambad 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.

UPI payments and IFSC ABHY0065117

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 – AMBAD is still mapped to IFSC ABHY0065117. 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 ABHY0065117 and the beneficiary's account number to complete the transfer.

Online banking and IFSC ABHY0065117

Abhyudaya Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the AMBAD 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 ABHY0065117 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 ABHY0065117 and the account number together uniquely identify the Ambad 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 – AMBAD:

• The IFSC is exactly ABHY0065117 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 AMBAD 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 Ambad branch sits at SHO NO.1-5, LOTUS PLAZA, TRIMURTI CHOWK, AMBAD-LINK ROAD, CIDCO, NEW NASHIK NASHIK-422008. If you are travelling from outside Nashik, search for the branch on a maps application using the bank name and locality, or call 253-2399714 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 ABHY0065117 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ABHY0065117 for Abhyudaya Cooperative Bank – AMBAD, 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 Ambad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ABHY0065117, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: ABHY0065117 is the IFSC code of Abhyudaya Cooperative Bank, AMBAD branch, in NASHIK, 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.