IFSC Code of Abhyudaya Cooperative Bank, Kausa Mumbra Branch, Maharashtra

Below are the complete branch details for Abhyudaya Cooperative Bank, KAUSA MUMBRA branch, located in THANE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is ABHY0065074. 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 ABHY0065074 for Abhyudaya Cooperative Bank – KAUSA MUMBRA — 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, ABHY0065074 is the IFSC of Abhyudaya Cooperative Bank's KAUSA MUMBRA branch. The format is fixed: ABHY = bank code, 0 = reserved, 065074 = branch identifier.

Bank profile

Abhyudaya Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kausa Mumbra branch — IFSC ABHY0065074 — extends the bank's services to customers in and around Thane, Maharashtra.

Branch details at a glance

Kausa Mumbra branch overview

Located at VIRANI BUSINESS CENTRE, SHOP NO. 1,2,3,4, PLOT NO. 96 BY 2, OPP BHARAT GEARS CO., KAUSA, DIST-THANE- 400612, the Kausa Mumbra branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ABHY0065074 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Abhyudaya Cooperative Bank's KAUSA MUMBRA branch came to be assigned the code ABHY0065074.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC ABHY0065074, money simply cannot be routed to the KAUSA MUMBRA branch electronically.

Account types you can open at the Kausa Mumbra branch

Once you have an account at Abhyudaya Cooperative Bank – KAUSA MUMBRA, the IFSC ABHY0065074 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 Kausa Mumbra branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-25495095.

• 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 ABHY0065074

How to transfer money using IFSC ABHY0065074

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 ABHY0065074 across all three.

NEFT to Abhyudaya Cooperative Bank, KAUSA MUMBRA using IFSC ABHY0065074

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 ABHY0065074, and confirm that the system picks up Abhyudaya Cooperative Bank – KAUSA MUMBRA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ABHY0065074

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 – KAUSA MUMBRA, ensure your bank's portal accepts IFSC ABHY0065074 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Abhyudaya Cooperative Bank – KAUSA MUMBRA, use IMPS. With IFSC ABHY0065074 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Kausa Mumbra

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 ABHY0065074:

• 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 KAUSA MUMBRA is still linked to IFSC ABHY0065074.

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.

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 KAUSA MUMBRA branch, the IFSC ABHY0065074 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 ABHY0065074

Abhyudaya Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the KAUSA MUMBRA 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 ABHY0065074 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 ABHY0065074 and the account number together uniquely identify the Kausa Mumbra branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC ABHY0065074

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 – KAUSA MUMBRA, 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: ABHY0065074.
• 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 Kausa Mumbra branch sits at VIRANI BUSINESS CENTRE, SHOP NO. 1,2,3,4, PLOT NO. 96 BY 2, OPP BHARAT GEARS CO., KAUSA, DIST-THANE- 400612. If you are travelling from outside Thane, search for the branch on a maps application using the bank name and locality, or call 22-25495095 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 ABHY0065074 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ABHY0065074 for Abhyudaya Cooperative Bank – KAUSA MUMBRA, 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.

Working hours

Branch counters at Kausa Mumbra 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 ABHY0065074 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: ABHY0065074 is the IFSC code of Abhyudaya Cooperative Bank, KAUSA MUMBRA branch, in THANE, 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.