IFSC Code of Apna Sahakari Bank Limited, Phule Wadi Branch, Maharashtra

If you are searching for the IFSC code of Apna Sahakari Bank Limited, PHULE WADI branch in KOLHAPUR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is ASBL0000034. 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 PHULE WADI branch, and detailed step-by-step guides for using the IFSC ASBL0000034 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.

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, ASBL0000034 is the IFSC of Apna Sahakari Bank Limited's PHULE WADI branch. The format is fixed: ASBL = bank code, 0 = reserved, 000034 = branch identifier.

About Apna Sahakari Bank Limited

Apna Sahakari Bank Limited operates a wide network of branches across India, including the Phule Wadi branch in Kolhapur. 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, ASBL0000034.

About this branch

The branch is located at PLOT NO.359, MAHATMA PHULE HSG.SOC., PHULEWADI, KOLHAPUR 416010. It serves the Kolhapur region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Apna Sahakari Bank Limited. The IFSC ASBL0000034 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 PHULE WADI branch came to be assigned the code ASBL0000034.

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 ASBL0000034, money simply cannot be routed to the PHULE WADI branch electronically.

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 ASBL0000034 and the account number together uniquely identify the Phule Wadi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC ASBL0000034

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 ASBL0000034 across all three.

How to use IFSC ASBL0000034 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Apna Sahakari Bank Limited's PHULE WADI 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 ASBL0000034.
4. Confirm the bank name auto-populates as Apna Sahakari Bank Limited and the branch as PHULE WADI.
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 ASBL0000034

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 – PHULE WADI, ensure your bank's portal accepts IFSC ASBL0000034 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Apna Sahakari Bank Limited PHULE WADI (IFSC ASBL0000034)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ASBL0000034 in your mobile or internet banking app, and the money is credited to the PHULE WADI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Phule Wadi

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 ASBL0000034:

• 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 PHULE WADI is still linked to IFSC ASBL0000034.

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 ASBL0000034

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 Apna Sahakari Bank Limited – PHULE WADI is still mapped to IFSC ASBL0000034. 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 ASBL0000034 and the beneficiary's account number to complete the transfer.

Account types you can open at the Phule Wadi branch

Once you have an account at Apna Sahakari Bank Limited – PHULE WADI, the IFSC ASBL0000034 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 Phule Wadi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 231-2631717.

• 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 ASBL0000034

Online banking and IFSC ASBL0000034

Apna Sahakari Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PHULE WADI 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 ASBL0000034 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.

Reaching the branch

The Phule Wadi branch sits at PLOT NO.359, MAHATMA PHULE HSG.SOC., PHULEWADI, KOLHAPUR 416010. If you are travelling from outside Kolhapur, search for the branch on a maps application using the bank name and locality, or call 231-2631717 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 ASBL0000034 and your account number.

Common mistakes to avoid when using IFSC ASBL0000034

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 Apna Sahakari Bank Limited – PHULE WADI, 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: ASBL0000034.
• 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.

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 Phule Wadi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ASBL0000034, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ASBL0000034 for Apna Sahakari Bank Limited – PHULE WADI, 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 ASBL0000034 belongs to Apna Sahakari Bank Limited's PHULE WADI branch, located at PLOT NO.359, MAHATMA PHULE HSG.SOC., PHULEWADI, KOLHAPUR 416010 in KOLHAPUR, 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.