IFSC Code of Abhyudaya Cooperative Bank, Kalwa Branch, Maharashtra

Below are the complete branch details for Abhyudaya Cooperative Bank, KALWA branch, located in THANE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is ABHY0065062. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case ABHY0065062 for Abhyudaya Cooperative Bank – KALWA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, ABHY0065062 is the IFSC of Abhyudaya Cooperative Bank's KALWA branch. The format is fixed: ABHY = bank code, 0 = reserved, 065062 = branch identifier.

Bank profile

Abhyudaya Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kalwa branch — IFSC ABHY0065062 — extends the bank's services to customers in and around Thane, Maharashtra.

About the Kalwa branch

The Kalwa branch of Abhyudaya Cooperative Bank is situated at MILESTONE CORPORATE PARK, DATTAWADI, OLD MUMBAI ROAD, KALWA (W) DIST. THANE 400 605. 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 ABHY0065062 is used.

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 KALWA of Abhyudaya Cooperative Bank — its own 11-character IFSC. The code ABHY0065062 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 ABHY0065062 the same way you would treat your account number — verify it once and save it carefully for future use.

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 ABHY0065062 and the account number together uniquely identify the Kalwa branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC ABHY0065062

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 ABHY0065062 across all three.

How to use IFSC ABHY0065062 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Abhyudaya Cooperative Bank's KALWA 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 ABHY0065062.
4. Confirm the bank name auto-populates as Abhyudaya Cooperative Bank and the branch as KALWA.
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 ABHY0065062

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 – KALWA, ensure your bank's portal accepts IFSC ABHY0065062 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Abhyudaya Cooperative Bank – KALWA, use IMPS. With IFSC ABHY0065062 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 ABHY0065062 for Abhyudaya Cooperative Bank – KALWA, 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 Kalwa 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 KALWA branch, the IFSC ABHY0065062 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.

Products and account variants supported

Every account opened at the Kalwa branch is mapped to IFSC ABHY0065062 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 ABHY0065062.

Products and services

Customers walking into the Kalwa 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 ABHY0065062

Digital banking channels

Most day-to-day work that customers used to do at the Kalwa branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC ABHY0065062 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Reaching the branch

The Kalwa branch sits at MILESTONE CORPORATE PARK, DATTAWADI, OLD MUMBAI ROAD, KALWA (W) DIST. THANE 400 605. If you are travelling from outside Thane, search for the branch on a maps application using the bank name and locality, or call 22-25406301 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 ABHY0065062 and your account number.

Common mistakes to avoid when using IFSC ABHY0065062

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 – KALWA, 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: ABHY0065062.
• 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.

Working hours

Branch counters at Kalwa 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 ABHY0065062 continue to work without interruption.

Verifying IFSC ABHY0065062 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 ABHY0065062 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-25406301.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ABHY0065062 belongs to Abhyudaya Cooperative Bank's KALWA branch, located at MILESTONE CORPORATE PARK, DATTAWADI, OLD MUMBAI ROAD, KALWA (W) DIST. THANE… in THANE, MAHARASHTRA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.