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

Below are the complete branch details for The Ahmednagar District Central Co-Operative Bank Ltd, KHARWANDI branch, located in AHMEDNAGAR, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is AHDC0000208. 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 AHDC0000208 for The Ahmednagar District Central Co-Operative Bank Ltd – KHARWANDI — 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 The Ahmednagar District Central Co-Operative Bank Ltd's KHARWANDI branch, the IFSC AHDC0000208 breaks down as follows: AHDC identifies the bank, 0 is the reserved character, and 000208 identifies this particular branch.

Branch details at a glance

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 Kharwandi 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, AHDC0000208.

About this branch

The branch is located at POST KHARWANDI TAL NEWASA 414602. It serves the Ahmednagar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Ahmednagar District Central Co-Operative Bank Ltd. The IFSC AHDC0000208 is used to identify this branch on the RBI payments network.

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 KHARWANDI branch came to be assigned the code AHDC0000208.

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 AHDC0000208, money simply cannot be routed to the KHARWANDI branch electronically.

How to transfer money using IFSC AHDC0000208

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 AHDC0000208 across all three.

NEFT to The Ahmednagar District Central Co-Operative Bank Ltd, KHARWANDI using IFSC AHDC0000208

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 AHDC0000208, and confirm that the system picks up The Ahmednagar District Central Co-Operative Bank Ltd – KHARWANDI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC AHDC0000208

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 – KHARWANDI, ensure your bank's portal accepts IFSC AHDC0000208 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Ahmednagar District Central Co-Operative Bank Ltd KHARWANDI (IFSC AHDC0000208)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AHDC0000208 in your mobile or internet banking app, and the money is credited to the KHARWANDI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kharwandi

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 AHDC0000208:

• 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 KHARWANDI is still linked to IFSC AHDC0000208.

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 AHDC0000208

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 Ahmednagar District Central Co-Operative Bank Ltd – KHARWANDI is still mapped to IFSC AHDC0000208. 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 AHDC0000208 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kharwandi branch is mapped to IFSC AHDC0000208 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 AHDC0000208.

Products and services

Customers walking into the Kharwandi 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 AHDC0000208

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 AHDC0000208 and the account number together uniquely identify the Kharwandi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC AHDC0000208

The Ahmednagar District Central Co-Operative Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the KHARWANDI 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 AHDC0000208 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 The Ahmednagar District Central Co-Operative Bank Ltd – KHARWANDI:

• The IFSC is exactly AHDC0000208 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Ahmednagar District Central Co-Operative Bank Ltd as the bank name and KHARWANDI 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 Kharwandi branch sits at POST KHARWANDI TAL NEWASA 414602. If you are travelling from outside Ahmednagar, search for the branch on a maps application using the bank name and locality, or call 2427-247477 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 AHDC0000208 and your account number.

Verifying IFSC AHDC0000208 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 AHDC0000208 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2427-247477.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kharwandi 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 AHDC0000208 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: AHDC0000208 is the IFSC code of The Ahmednagar District Central Co-Operative Bank Ltd, KHARWANDI 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.