This page lists the IFSC code, branch address, contact number and fund-transfer information for The Adarsh Cooperative Urban Bank Limited, KAMAREDDY branch in KAMAREDDY. The 11-digit IFSC ADBK0001042 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 The Adarsh Cooperative Urban Bank Limited at the KAMAREDDY 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.
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, ADBK0001042 is the IFSC of The Adarsh Cooperative Urban Bank Limited's KAMAREDDY branch. The format is fixed: ADBK = bank code, 0 = reserved, 001042 = branch identifier.
Branch details at a glance
| Bank Name | The Adarsh Cooperative Urban Bank Limited |
|---|---|
| Branch | Kamareddy |
| IFSC Code | ADBK0001042 |
| MICR Code | Refer to cheque leaf |
| Branch Address | H.NO.5-3-73/1,SURVEY NO.747,NATIONAL HIGHWAY 7,VIDYA NAGAR COLONY,KAMAREDDY,KAMAREDDY DISTRICT,PIN CODE 503111,TELANGANA STATE |
| City | Kamareddy |
| District | Kamareddy |
| State | Telangana |
| STD Code | 40 |
| Phone | 48681010 |
About the bank
The Adarsh Cooperative Urban Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kamareddy branch in Kamareddy, Telangana is part of this network and uses the IFSC code ADBK0001042 for all electronic settlement.
About the Kamareddy branch
The Kamareddy branch of The Adarsh Cooperative Urban Bank Limited is situated at H.NO.5-3-73/1,SURVEY NO.747,NATIONAL HIGHWAY 7,VIDYA NAGAR COLONY,KAMAREDDY,KAMAREDDY DISTRICT,PIN CODE 503111,TELANGANA STATE. 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 ADBK0001042 is used.
Why every The Adarsh Cooperative Urban 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 KAMAREDDY of The Adarsh Cooperative Urban Bank Limited — its own 11-character IFSC. The code ADBK0001042 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 ADBK0001042 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 ADBK0001042
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 ADBK0001042 across all three.
NEFT to The Adarsh Cooperative Urban Bank Limited, KAMAREDDY using IFSC ADBK0001042
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 ADBK0001042, and confirm that the system picks up The Adarsh Cooperative Urban Bank Limited – KAMAREDDY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KAMAREDDY
If you need to transfer ₹2 lakh or more in one go to an account at The Adarsh Cooperative Urban Bank Limited's KAMAREDDY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ADBK0001042 while initiating the transfer and the credit will appear within minutes.
IMPS to The Adarsh Cooperative Urban Bank Limited KAMAREDDY (IFSC ADBK0001042)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ADBK0001042 in your mobile or internet banking app, and the money is credited to the KAMAREDDY branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC ADBK0001042 for The Adarsh Cooperative Urban Bank Limited – KAMAREDDY, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – ADBK0001042 | Yes – ADBK0001042 | Yes – ADBK0001042 |
For most retail customers crediting the Kamareddy branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC ADBK0001042
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 The Adarsh Cooperative Urban Bank Limited – KAMAREDDY is still mapped to IFSC ADBK0001042. 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 ADBK0001042 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kamareddy branch is mapped to IFSC ADBK0001042 on the RBI payments network. The branch generally supports the full retail product catalogue of The Adarsh Cooperative Urban 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 ADBK0001042.
Products and services
Customers walking into the Kamareddy branch can access most of The Adarsh Cooperative Urban 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 ADBK0001042
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by The Adarsh Cooperative Urban Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC ADBK0001042 and the account number together uniquely identify the Kamareddy branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC ADBK0001042
The Adarsh Cooperative Urban Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KAMAREDDY 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 ADBK0001042 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.
Common mistakes to avoid when using IFSC ADBK0001042
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 The Adarsh Cooperative Urban Bank Limited – KAMAREDDY, 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:
ADBK0001042. - 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.
How to reach the Kamareddy branch
The branch is located at H.NO.5-3-73/1,SURVEY NO.747,NATIONAL HIGHWAY 7,VIDYA NAGAR COLONY,KAMAREDDY,KAMAREDDY DISTRICT,PIN CODE 503111,TELANGANA STATE, which puts it inside Kamareddy, the broader Kamareddy district, and the state of Telangana. To plan your visit:
- Open Google Maps on your phone and search for “The Adarsh Cooperative Urban Bank Limited Kamareddy branch” — the verified location pin for IFSC ADBK0001042 should appear at the top of the results.
- Confirm the branch is open by calling 40-48681010 before stepping out, especially around public holidays.
- 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 ADBK0001042 and your account number.
Verifying IFSC ADBK0001042 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 ADBK0001042 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 40-48681010.
- 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 Kamareddy branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ADBK0001042, however, work 24x7.
Branch address & contact
The Adarsh Cooperative Urban Bank LimitedKamareddy Branch
H.NO.5-3-73/1,SURVEY NO.747,NATIONAL HIGHWAY 7,VIDYA NAGAR COLONY,KAMAREDDY,KAMAREDDY DISTRICT,PIN CODE 503111,TELANGANA STATE
Kamareddy, Telangana
Phone: 40-48681010
IFSC: ADBK0001042
Frequently asked questions
What is the phone number of The Adarsh Cooperative Urban Bank Limited Kamareddy branch?
You can reach the branch at 40-48681010 during regular banking hours.
Does The Adarsh Cooperative Urban Bank Limited Kamareddy branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 40-48681010 to confirm.
Is IFSC ADBK0001042 the same for all accounts at Kamareddy branch?
Yes. The IFSC ADBK0001042 is shared by every account held at The Adarsh Cooperative Urban Bank Limited's Kamareddy branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kamareddy branch but serve different purposes.
Can I use IFSC ADBK0001042 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ADBK0001042 to send funds instantly.
What is the IFSC code of The Adarsh Cooperative Urban Bank Limited Kamareddy branch?
The IFSC code of The Adarsh Cooperative Urban Bank Limited, Kamareddy branch is ADBK0001042. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is The Adarsh Cooperative Urban Bank Limited Kamareddy branch located?
The Adarsh Cooperative Urban Bank Limited's Kamareddy branch is located at H.NO.5-3-73/1,SURVEY NO.747,NATIONAL HIGHWAY 7,VIDYA NAGAR COLONY,KAMAREDDY,KAMAREDDY DISTRICT,PIN CODE 503111,TELANGANA STATE, Kamareddy, Telangana.
Final notes
To recap: ADBK0001042 is the IFSC code of The Adarsh Cooperative Urban Bank Limited, KAMAREDDY branch, in KAMAREDDY, TELANGANA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
