IFSC Code of The Ahmednagar District Central Co-Operative Bank Ltd, Kharda Branch, Maharashtra

If you are searching for the IFSC code of The Ahmednagar District Central Co-Operative Bank Ltd, KHARDA branch in AHMEDNAGAR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is AHDC0000082. 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 KHARDA branch, and detailed step-by-step guides for using the IFSC AHDC0000082 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Ahmednagar District Central Co-Operative Bank Ltd – KHARDA is AHDC0000082. The first four letters AHDC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000082 map to this branch in AHMEDNAGAR, MAHARASHTRA.

About The Ahmednagar District Central Co-Operative Bank Ltd

The Ahmednagar District Central Co-Operative Bank Ltd operates a wide network of branches across India, including the Kharda branch in Ahmednagar. 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, AHDC0000082.

Branch details at a glance

Kharda branch overview

Located at POST KHARDA TAL JAMKHED 413204, the Kharda branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC AHDC0000082 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 Ahmednagar District Central Co-Operative Bank Ltd's KHARDA branch came to be assigned the code AHDC0000082.

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 AHDC0000082, money simply cannot be routed to the KHARDA branch electronically.

Products and account variants supported

Every account opened at the Kharda branch is mapped to IFSC AHDC0000082 on the RBI payments network. The branch generally supports the full retail product catalogue of The Ahmednagar District Central Co-Operative Bank Ltd, 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 AHDC0000082.

Products and services

Customers walking into the Kharda branch can access most of The Ahmednagar District Central Co-Operative Bank Ltd'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 AHDC0000082

How to transfer money using IFSC AHDC0000082

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 AHDC0000082 across all three.

How to use IFSC AHDC0000082 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Ahmednagar District Central Co-Operative Bank Ltd's KHARDA 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 AHDC0000082.
4. Confirm the bank name auto-populates as The Ahmednagar District Central Co-Operative Bank Ltd and the branch as KHARDA.
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 AHDC0000082

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 Ahmednagar District Central Co-Operative Bank Ltd – KHARDA, ensure your bank's portal accepts IFSC AHDC0000082 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Ahmednagar District Central Co-Operative Bank Ltd KHARDA (IFSC AHDC0000082)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AHDC0000082 in your mobile or internet banking app, and the money is credited to the KHARDA branch account within seconds.

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

All three modes accept the IFSC AHDC0000082 for The Ahmednagar District Central Co-Operative Bank Ltd – KHARDA, 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 Kharda 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 Ahmednagar District Central Co-Operative Bank Ltd's KHARDA branch, the IFSC AHDC0000082 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 Kharda 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 AHDC0000082 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 The Ahmednagar District Central Co-Operative Bank Ltd carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC AHDC0000082 and the account number together uniquely identify the Kharda 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 AHDC0000082

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 Ahmednagar District Central Co-Operative Bank Ltd – KHARDA, 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: AHDC0000082.
• 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 Kharda branch

The branch is located at POST KHARDA TAL JAMKHED 413204, which puts it inside Ahmednagar, the broader Kharda district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Ahmednagar District Central Co-Operative Bank Ltd Kharda branch” — the verified location pin for IFSC AHDC0000082 should appear at the top of the results.
2. Confirm the branch is open by calling 2421-240228 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 AHDC0000082 and your account number.

Verifying IFSC AHDC0000082 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 AHDC0000082 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2421-240228.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kharda 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 AHDC0000082 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: AHDC0000082 is the IFSC code of The Ahmednagar District Central Co-Operative Bank Ltd, KHARDA branch, in AHMEDNAGAR, MAHARASHTRA. 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.