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

Below are the complete branch details for Apna Sahakari Bank Limited, GADHINGLAJ branch, located in GADHINGLAJ, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is ASBL0000040. 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 ASBL0000040 for Apna Sahakari Bank Limited – GADHINGLAJ — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 Apna Sahakari Bank Limited – GADHINGLAJ is ASBL0000040. The first four letters ASBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000040 map to this branch in GADHINGLAJ, MAHARASHTRA.

Bank profile

Apna Sahakari Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Gadhinglaj branch — IFSC ASBL0000040 — extends the bank's services to customers in and around Gadhinglaj, Maharashtra.

About the Gadhinglaj branch

The Gadhinglaj branch of Apna Sahakari Bank Limited is situated at MAKANDAR COMPLEX, MAIN ROAD, GADHINGLAJ, KOLHAPUR 416052. 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 ASBL0000040 is used.

Branch details at a glance

Why every Apna Sahakari Bank Limited 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 GADHINGLAJ of Apna Sahakari Bank Limited — its own 11-character IFSC. The code ASBL0000040 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 ASBL0000040 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Gadhinglaj branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ASBL0000040 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC ASBL0000040

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 ASBL0000040 across all three.

NEFT to Apna Sahakari Bank Limited, GADHINGLAJ using IFSC ASBL0000040

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 ASBL0000040, and confirm that the system picks up Apna Sahakari Bank Limited – GADHINGLAJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GADHINGLAJ

If you need to transfer ₹2 lakh or more in one go to an account at Apna Sahakari Bank Limited's GADHINGLAJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ASBL0000040 while initiating the transfer and the credit will appear within minutes.

IMPS to Apna Sahakari Bank Limited GADHINGLAJ (IFSC ASBL0000040)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ASBL0000040 in your mobile or internet banking app, and the money is credited to the GADHINGLAJ branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Gadhinglaj

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 ASBL0000040:

• 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 GADHINGLAJ is still linked to IFSC ASBL0000040.

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 GADHINGLAJ branch, the IFSC ASBL0000040 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 Gadhinglaj branch is mapped to IFSC ASBL0000040 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 ASBL0000040.

Banking services available

The Gadhinglaj branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2327-224340.

• 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 ASBL0000040

Digital banking channels

Most day-to-day work that customers used to do at the Gadhinglaj 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 ASBL0000040 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 Gadhinglaj branch sits at MAKANDAR COMPLEX, MAIN ROAD, GADHINGLAJ, KOLHAPUR 416052. If you are travelling from outside Gadhinglaj, search for the branch on a maps application using the bank name and locality, or call 2327-224340 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 ASBL0000040 and your account number.

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 – GADHINGLAJ:

• The IFSC is exactly ASBL0000040 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 GADHINGLAJ 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.

Working hours

Branch counters at Gadhinglaj 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 ASBL0000040 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ASBL0000040 for Apna Sahakari Bank Limited – GADHINGLAJ, 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 address & contact

Frequently asked questions

Summary

The IFSC code ASBL0000040 belongs to Apna Sahakari Bank Limited's GADHINGLAJ branch, located at MAKANDAR COMPLEX, MAIN ROAD, GADHINGLAJ, KOLHAPUR 416052 in GADHINGLAJ, 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.