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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Apna Sahakari Bank Limited, TALOJA branch in TALOJA. The 11-digit IFSC ASBL0000048 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Apna Sahakari Bank Limited at the TALOJA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 TALOJA branch, the IFSC ASBL0000048 breaks down as follows: ASBL identifies the bank, 0 is the reserved character, and 000048 identifies this particular branch.

Branch details at a glance

About the bank

Apna Sahakari Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Taloja branch in Taloja, Maharashtra is part of this network and uses the IFSC code ASBL0000048 for all electronic settlement.

Taloja branch overview

Located at HOUSE NO.362,AT & POST NAWDA PHATA, NEAR TALOJA MIDC BRIDGE, MUMBAI-PUNE-ROAD, TALOJA, NAVI MUMBAI 410206, the Taloja branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ASBL0000048 is required for all interbank electronic transfers routed through this branch.

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 TALOJA of Apna Sahakari Bank Limited — its own 11-character IFSC. The code ASBL0000048 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 ASBL0000048 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC ASBL0000048

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 ASBL0000048 across all three.

NEFT to Apna Sahakari Bank Limited, TALOJA using IFSC ASBL0000048

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 ASBL0000048, and confirm that the system picks up Apna Sahakari Bank Limited – TALOJA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to TALOJA

If you need to transfer ₹2 lakh or more in one go to an account at Apna Sahakari Bank Limited's TALOJA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ASBL0000048 while initiating the transfer and the credit will appear within minutes.

IMPS to Apna Sahakari Bank Limited TALOJA (IFSC ASBL0000048)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ASBL0000048 in your mobile or internet banking app, and the money is credited to the TALOJA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Taloja

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 ASBL0000048:

• 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 TALOJA is still linked to IFSC ASBL0000048.

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 ASBL0000048

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 – TALOJA is still mapped to IFSC ASBL0000048. 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 ASBL0000048 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Taloja branch is mapped to IFSC ASBL0000048 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 ASBL0000048.

Banking services available

The Taloja branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-27412811.

• 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 ASBL0000048

MICR & cheque-truncation details

Cheques drawn on the Taloja branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ASBL0000048 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC ASBL0000048

Apna Sahakari Bank Limited customers can register for net banking and the bank's official mobile app once their account at the TALOJA 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 ASBL0000048 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 – TALOJA:

• The IFSC is exactly ASBL0000048 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 TALOJA 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 Taloja branch

The branch is located at HOUSE NO.362,AT & POST NAWDA PHATA, NEAR TALOJA MIDC BRIDGE, MUMBAI-PUNE-ROAD, TALOJA, NAVI MUMBAI 410206, which puts it inside Taloja, the broader Raigad district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Apna Sahakari Bank Limited Taloja branch” — the verified location pin for IFSC ASBL0000048 should appear at the top of the results.
2. Confirm the branch is open by calling 22-27412811 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 ASBL0000048 and your account number.

Verifying IFSC ASBL0000048 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 ASBL0000048 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-27412811.
• 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 Taloja branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ASBL0000048, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ASBL0000048 belongs to Apna Sahakari Bank Limited's TALOJA branch, located at HOUSE NO.362,AT & POST NAWDA PHATA, NEAR TALOJA MIDC BRIDGE, MUMBAI-PUNE-ROAD,… in TALOJA, 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.