IFSC Code of Apna Sahakari Bank Limited, Bhiwandi Branch, Maharashtra

Use this page as a one-stop reference for everything related to Apna Sahakari Bank Limited's BHIWANDI branch in BHIWANDI, MAHARASHTRA. The branch's IFSC code ASBL0000044 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.

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, ASBL0000044 is the IFSC of Apna Sahakari Bank Limited's BHIWANDI branch. The format is fixed: ASBL = bank code, 0 = reserved, 000044 = branch identifier.

Branch details at a glance

About Apna Sahakari Bank Limited

Apna Sahakari Bank Limited operates a wide network of branches across India, including the Bhiwandi branch in Bhiwandi. 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, ASBL0000044.

Bhiwandi branch overview

Located at 223, DURGA KRUPA, TELI PADA, AGRA ROAD, DHAMANKAR NAKA, BHIWANDI, DIST-THANE 421302, the Bhiwandi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ASBL0000044 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 Apna Sahakari Bank Limited's BHIWANDI branch came to be assigned the code ASBL0000044.

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 ASBL0000044, money simply cannot be routed to the BHIWANDI branch electronically.

How to transfer money using IFSC ASBL0000044

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 ASBL0000044 across all three.

NEFT to Apna Sahakari Bank Limited, BHIWANDI using IFSC ASBL0000044

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 ASBL0000044, and confirm that the system picks up Apna Sahakari Bank Limited – BHIWANDI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ASBL0000044

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 Apna Sahakari Bank Limited – BHIWANDI, ensure your bank's portal accepts IFSC ASBL0000044 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Apna Sahakari Bank Limited – BHIWANDI, use IMPS. With IFSC ASBL0000044 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 Bhiwandi

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 ASBL0000044:

• 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 BHIWANDI is still linked to IFSC ASBL0000044.

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 Apna Sahakari Bank Limited's BHIWANDI branch, the IFSC ASBL0000044 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 Bhiwandi branch is mapped to IFSC ASBL0000044 on the RBI payments network. The branch generally supports the full retail product catalogue of Apna Sahakari Bank Limited, 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 ASBL0000044.

Products and services

Customers walking into the Bhiwandi branch can access most of Apna Sahakari Bank Limited'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 ASBL0000044

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Apna Sahakari Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC ASBL0000044 and the account number together uniquely identify the Bhiwandi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC ASBL0000044

Apna Sahakari Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHIWANDI 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 ASBL0000044 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 Apna Sahakari Bank Limited – BHIWANDI:

• The IFSC is exactly ASBL0000044 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Apna Sahakari Bank Limited as the bank name and BHIWANDI 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 Bhiwandi branch sits at 223, DURGA KRUPA, TELI PADA, AGRA ROAD, DHAMANKAR NAKA, BHIWANDI, DIST-THANE 421302. If you are travelling from outside Bhiwandi, search for the branch on a maps application using the bank name and locality, or call 2522-254411 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 ASBL0000044 and your account number.

Verifying IFSC ASBL0000044 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 ASBL0000044 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2522-254411.
• Visiting the bank's official branch locator page.

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 Bhiwandi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ASBL0000044, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ASBL0000044 belongs to Apna Sahakari Bank Limited's BHIWANDI branch, located at 223, DURGA KRUPA, TELI PADA, AGRA ROAD, DHAMANKAR NAKA, BHIWANDI, DIST-THANE… in BHIWANDI, 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.