IFSC Code of Abhyudaya Cooperative Bank, Shirva Branch, Karnataka

If you are searching for the IFSC code of Abhyudaya Cooperative Bank, SHIRVA branch in UDUPI, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is ABHY0065304. 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 SHIRVA branch, and detailed step-by-step guides for using the IFSC ABHY0065304 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.

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 – SHIRVA is ABHY0065304. The first four letters ABHY are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 065304 map to this branch in UDUPI, KARNATAKA.

Branch details at a glance

About Abhyudaya Cooperative Bank

Abhyudaya Cooperative Bank operates a wide network of branches across India, including the Shirva branch in Udupi. 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, ABHY0065304.

Shirva branch overview

Located at SHIRVA, TEH. UDUPI, 574 116, the Shirva branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ABHY0065304 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 SHIRVA branch came to be assigned the code ABHY0065304.

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 ABHY0065304, money simply cannot be routed to the SHIRVA branch electronically.

How to transfer money using IFSC ABHY0065304

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 ABHY0065304 across all three.

How to use IFSC ABHY0065304 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Abhyudaya Cooperative Bank's SHIRVA 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 ABHY0065304.
4. Confirm the bank name auto-populates as Abhyudaya Cooperative Bank and the branch as SHIRVA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to SHIRVA

If you need to transfer ₹2 lakh or more in one go to an account at Abhyudaya Cooperative Bank's SHIRVA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ABHY0065304 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 – SHIRVA, use IMPS. With IFSC ABHY0065304 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 Shirva

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 ABHY0065304:

• 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 SHIRVA is still linked to IFSC ABHY0065304.

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 ABHY0065304

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 – SHIRVA is still mapped to IFSC ABHY0065304. 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 ABHY0065304 and the beneficiary's account number to complete the transfer.

Account types you can open at the Shirva branch

Once you have an account at Abhyudaya Cooperative Bank – SHIRVA, the IFSC ABHY0065304 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.

Products and services

Customers walking into the Shirva 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 ABHY0065304

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 ABHY0065304 and the account number together uniquely identify the Shirva branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC ABHY0065304

Abhyudaya Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the SHIRVA 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 ABHY0065304 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.

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 – SHIRVA:

• The IFSC is exactly ABHY0065304 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 SHIRVA 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.

How to reach the Shirva branch

The branch is located at SHIRVA, TEH. UDUPI, 574 116, which puts it inside Udupi, the broader Udupi district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Abhyudaya Cooperative Bank Shirva branch” — the verified location pin for IFSC ABHY0065304 should appear at the top of the results.
2. Confirm the branch is open by calling 820-2554287 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC ABHY0065304 and your account number.

Verifying IFSC ABHY0065304 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 ABHY0065304 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 820-2554287.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Shirva 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 ABHY0065304 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ABHY0065304 belongs to Abhyudaya Cooperative Bank's SHIRVA branch, located at SHIRVA, TEH. UDUPI, 574 116 in UDUPI, KARNATAKA. 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.