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

If you are searching for the IFSC code of The Ahmednagar District Central Co-Operative Bank Ltd, SHEDGAON branch in AHMEDNAGAR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is AHDC0000278. 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 SHEDGAON branch, and detailed step-by-step guides for using the IFSC AHDC0000278 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 Ahmednagar District Central Co-Operative Bank Ltd's SHEDGAON branch, the IFSC AHDC0000278 breaks down as follows: AHDC identifies the bank, 0 is the reserved character, and 000278 identifies this particular branch.

About the bank

The Ahmednagar District Central Co-Operative Bank Ltd serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Shedgaon branch in Ahmednagar, Maharashtra is part of this network and uses the IFSC code AHDC0000278 for all electronic settlement.

About the Shedgaon branch

The Shedgaon branch of The Ahmednagar District Central Co-Operative Bank Ltd is situated at POST SHEDGAON TAL SANGAMNER 413738. 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 AHDC0000278 is used.

Branch details at a glance

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 SHEDGAON of The Ahmednagar District Central Co-Operative Bank Ltd — its own 11-character IFSC. The code AHDC0000278 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 AHDC0000278 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Shedgaon branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AHDC0000278 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC AHDC0000278

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 AHDC0000278 across all three.

NEFT to The Ahmednagar District Central Co-Operative Bank Ltd, SHEDGAON using IFSC AHDC0000278

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 AHDC0000278, and confirm that the system picks up The Ahmednagar District Central Co-Operative Bank Ltd – SHEDGAON. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC AHDC0000278

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 – SHEDGAON, ensure your bank's portal accepts IFSC AHDC0000278 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Ahmednagar District Central Co-Operative Bank Ltd SHEDGAON (IFSC AHDC0000278)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AHDC0000278 in your mobile or internet banking app, and the money is credited to the SHEDGAON branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Shedgaon

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 AHDC0000278:

• 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 SHEDGAON is still linked to IFSC AHDC0000278.

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 AHDC0000278

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 – SHEDGAON is still mapped to IFSC AHDC0000278. 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 AHDC0000278 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Shedgaon branch is mapped to IFSC AHDC0000278 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 AHDC0000278.

Banking services available

The Shedgaon branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2425-294114.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC AHDC0000278

Digital banking channels

Most day-to-day work that customers used to do at the Shedgaon 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 AHDC0000278 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.

How to reach the Shedgaon branch

The branch is located at POST SHEDGAON TAL SANGAMNER 413738, which puts it inside Ahmednagar, the broader Shedgaon 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 Shedgaon branch” — the verified location pin for IFSC AHDC0000278 should appear at the top of the results.
2. Confirm the branch is open by calling 2425-294114 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 AHDC0000278 and your account number.

Common mistakes to avoid when using IFSC AHDC0000278

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 – SHEDGAON, 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: AHDC0000278.
• 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.

Working hours

Branch counters at Shedgaon 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 AHDC0000278 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AHDC0000278 for The Ahmednagar District Central Co-Operative Bank Ltd – SHEDGAON, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AHDC0000278 belongs to The Ahmednagar District Central Co-Operative Bank Ltd's SHEDGAON branch, located at POST SHEDGAON TAL SANGAMNER 413738 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.