IFSC Code of The Adarsh Cooperative Urban Bank Limited, Shadnagar Branch, Telangana

If you are searching for the IFSC code of The Adarsh Cooperative Urban Bank Limited, SHADNAGAR branch in SHADNAGAR, TELANGANA, this page has every detail you need. The verified IFSC code for this branch is ADBK0001023. 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 SHADNAGAR branch, and detailed step-by-step guides for using the IFSC ADBK0001023 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.

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 The Adarsh Cooperative Urban Bank Limited's SHADNAGAR branch, the IFSC ADBK0001023 breaks down as follows: ADBK identifies the bank, 0 is the reserved character, and 001023 identifies this particular branch.

Branch details at a glance

About The Adarsh Cooperative Urban Bank Limited

The Adarsh Cooperative Urban Bank Limited operates a wide network of branches across India, including the Shadnagar branch in Shadnagar. 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, ADBK0001023.

Shadnagar branch overview

Located at O111211POO217SHADNAGARSHADNAGARMUNICIPAIYKVRANGAREDDYISRICTEANGANA509216, the Shadnagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ADBK0001023 is required for all interbank electronic transfers routed through this branch.

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 The Adarsh Cooperative Urban Bank Limited's SHADNAGAR branch came to be assigned the code ADBK0001023.

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 ADBK0001023, money simply cannot be routed to the SHADNAGAR branch electronically.

How to transfer money using IFSC ADBK0001023

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 ADBK0001023 across all three.

How to use IFSC ADBK0001023 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Adarsh Cooperative Urban Bank Limited's SHADNAGAR 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 ADBK0001023.
4. Confirm the bank name auto-populates as The Adarsh Cooperative Urban Bank Limited and the branch as SHADNAGAR.
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 ADBK0001023

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 The Adarsh Cooperative Urban Bank Limited – SHADNAGAR, ensure your bank's portal accepts IFSC ADBK0001023 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Adarsh Cooperative Urban Bank Limited SHADNAGAR (IFSC ADBK0001023)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ADBK0001023 in your mobile or internet banking app, and the money is credited to the SHADNAGAR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC ADBK0001023 for The Adarsh Cooperative Urban Bank Limited – SHADNAGAR, 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.

For most retail customers crediting the Shadnagar 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.

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 The Adarsh Cooperative Urban Bank Limited's SHADNAGAR branch, the IFSC ADBK0001023 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.

Account types you can open at the Shadnagar branch

Once you have an account at The Adarsh Cooperative Urban Bank Limited – SHADNAGAR, the IFSC ADBK0001023 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.

Products and services

Customers walking into the Shadnagar 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 ADBK0001023

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 ADBK0001023 and the account number together uniquely identify the Shadnagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Shadnagar 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 ADBK0001023 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.

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 The Adarsh Cooperative Urban Bank Limited – SHADNAGAR:

• The IFSC is exactly ADBK0001023 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Adarsh Cooperative Urban Bank Limited as the bank name and SHADNAGAR 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.

Reaching the branch

The Shadnagar branch sits at O111211POO217SHADNAGARSHADNAGARMUNICIPAIYKVRANGAREDDYISRICTEANGANA509216. If you are travelling from outside Shadnagar, search for the branch on a maps application using the bank name and locality, or call 0 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 ADBK0001023 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ADBK0001023 for The Adarsh Cooperative Urban Bank Limited – SHADNAGAR, 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.

Working hours

Branch counters at Shadnagar 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 ADBK0001023 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ADBK0001023 belongs to The Adarsh Cooperative Urban Bank Limited's SHADNAGAR branch, located at O111211POO217SHADNAGARSHADNAGARMUNICIPAIYKVRANGAREDDYISRICTEANGANA509216 in SHADNAGAR, TELANGANA. 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.