IFSC Code of Apna Sahakari Bank Limited, Sadar Bazar Branch, Maharashtra

Below are the complete branch details for Apna Sahakari Bank Limited, SADAR BAZAR branch, located in KOLHAPUR, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is ASBL0000035. 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 ASBL0000035 for Apna Sahakari Bank Limited – SADAR BAZAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Apna Sahakari Bank Limited's SADAR BAZAR branch, the IFSC ASBL0000035 breaks down as follows: ASBL identifies the bank, 0 is the reserved character, and 000035 identifies this particular branch.

Bank profile

Apna Sahakari Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Sadar Bazar branch — IFSC ASBL0000035 — extends the bank's services to customers in and around Kolhapur, Maharashtra.

Branch details at a glance

About the Sadar Bazar branch

The Sadar Bazar branch of Apna Sahakari Bank Limited is situated at C.S.NO.233, PLOT NO.12/13, FLAT NO.7/8, E WARD, SADAR BAZAR, KOLHAPUR 416002. 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 ASBL0000035 is used.

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 SADAR BAZAR branch came to be assigned the code ASBL0000035.

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 ASBL0000035, money simply cannot be routed to the SADAR BAZAR branch electronically.

Account types you can open at the Sadar Bazar branch

Once you have an account at Apna Sahakari Bank Limited – SADAR BAZAR, the IFSC ASBL0000035 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 Sadar Bazar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 231-2650058.

• 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 ASBL0000035

How to transfer money using IFSC ASBL0000035

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 ASBL0000035 across all three.

NEFT to Apna Sahakari Bank Limited, SADAR BAZAR using IFSC ASBL0000035

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 ASBL0000035, and confirm that the system picks up Apna Sahakari Bank Limited – SADAR BAZAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ASBL0000035

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 – SADAR BAZAR, ensure your bank's portal accepts IFSC ASBL0000035 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Apna Sahakari Bank Limited SADAR BAZAR (IFSC ASBL0000035)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ASBL0000035 in your mobile or internet banking app, and the money is credited to the SADAR BAZAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sadar Bazar

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 ASBL0000035:

• 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 SADAR BAZAR is still linked to IFSC ASBL0000035.

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 SADAR BAZAR branch, the IFSC ASBL0000035 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.

Digital banking channels

Most day-to-day work that customers used to do at the Sadar Bazar 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 ASBL0000035 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.

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 ASBL0000035 and the account number together uniquely identify the Sadar Bazar 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 ASBL0000035

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 – SADAR BAZAR, 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: ASBL0000035.
• 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 Sadar Bazar branch sits at C.S.NO.233, PLOT NO.12/13, FLAT NO.7/8, E WARD, SADAR BAZAR, KOLHAPUR 416002. If you are travelling from outside Kolhapur, search for the branch on a maps application using the bank name and locality, or call 231-2650058 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 ASBL0000035 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ASBL0000035 for Apna Sahakari Bank Limited – SADAR BAZAR, 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 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 Sadar Bazar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ASBL0000035, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ASBL0000035 belongs to Apna Sahakari Bank Limited's SADAR BAZAR branch, located at C.S.NO.233, PLOT NO.12/13, FLAT NO.7/8, E WARD, SADAR BAZAR, KOLHAPUR 416002 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.