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

If you are searching for the IFSC code of The Ahmednagar District Central Co-Operative Bank Ltd, PUNTAMBA branch in AHMEDNAGAR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is AHDC0000138. 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 PUNTAMBA branch, and detailed step-by-step guides for using the IFSC AHDC0000138 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 – PUNTAMBA is AHDC0000138. The first four letters AHDC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000138 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 Puntamba 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, AHDC0000138.

Branch details at a glance

Puntamba branch overview

Located at POST PUNTAMBA TAL RAHATA 413707, the Puntamba branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC AHDC0000138 is required for all interbank electronic transfers routed through this branch.

Why every The Ahmednagar District Central Co-Operative Bank Ltd 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 PUNTAMBA of The Ahmednagar District Central Co-Operative Bank Ltd — its own 11-character IFSC. The code AHDC0000138 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 AHDC0000138 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Puntamba branch

Once you have an account at The Ahmednagar District Central Co-Operative Bank Ltd – PUNTAMBA, the IFSC AHDC0000138 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 Puntamba 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 AHDC0000138

How to transfer money using IFSC AHDC0000138

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 AHDC0000138 across all three.

How to use IFSC AHDC0000138 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 PUNTAMBA 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 AHDC0000138.
4. Confirm the bank name auto-populates as The Ahmednagar District Central Co-Operative Bank Ltd and the branch as PUNTAMBA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to PUNTAMBA

If you need to transfer ₹2 lakh or more in one go to an account at The Ahmednagar District Central Co-Operative Bank Ltd's PUNTAMBA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AHDC0000138 while initiating the transfer and the credit will appear within minutes.

IMPS to The Ahmednagar District Central Co-Operative Bank Ltd PUNTAMBA (IFSC AHDC0000138)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AHDC0000138 in your mobile or internet banking app, and the money is credited to the PUNTAMBA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Puntamba

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 AHDC0000138:

• 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 PUNTAMBA is still linked to IFSC AHDC0000138.

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.

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 PUNTAMBA branch, the IFSC AHDC0000138 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.

Online banking and IFSC AHDC0000138

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 PUNTAMBA 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 AHDC0000138 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.

MICR & cheque-truncation details

Cheques drawn on the Puntamba branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AHDC0000138 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC AHDC0000138

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 – PUNTAMBA, 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: AHDC0000138.
• 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 Puntamba branch

The branch is located at POST PUNTAMBA TAL RAHATA 413707, which puts it inside Ahmednagar, the broader Puntamba 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 Puntamba branch” — the verified location pin for IFSC AHDC0000138 should appear at the top of the results.
2. Confirm the branch is open by calling 2423-274251 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 AHDC0000138 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AHDC0000138 for The Ahmednagar District Central Co-Operative Bank Ltd – PUNTAMBA, 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 Puntamba 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 AHDC0000138 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AHDC0000138 belongs to The Ahmednagar District Central Co-Operative Bank Ltd's PUNTAMBA branch, located at POST PUNTAMBA TAL RAHATA 413707 in AHMEDNAGAR, 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.