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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Ahmednagar District Central Co-Operative Bank Ltd, SONAI branch in AHMEDNAGAR. The 11-digit IFSC AHDC0000172 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Ahmednagar District Central Co-Operative Bank Ltd at the SONAI location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, AHDC0000172 is the IFSC of The Ahmednagar District Central Co-Operative Bank Ltd's SONAI branch. The format is fixed: AHDC = bank code, 0 = reserved, 000172 = branch identifier.

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 Sonai 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, AHDC0000172.

Branch details at a glance

About this branch

The branch is located at POST SONAI TAL NEWASA 414105. 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 AHDC0000172 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 SONAI branch came to be assigned the code AHDC0000172.

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 AHDC0000172, money simply cannot be routed to the SONAI branch electronically.

Products and account variants supported

Every account opened at the Sonai branch is mapped to IFSC AHDC0000172 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 AHDC0000172.

Products and services

Customers walking into the Sonai 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 AHDC0000172

How to transfer money using IFSC AHDC0000172

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 AHDC0000172 across all three.

How to use IFSC AHDC0000172 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 SONAI 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 AHDC0000172.
4. Confirm the bank name auto-populates as The Ahmednagar District Central Co-Operative Bank Ltd and the branch as SONAI.
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 AHDC0000172

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 – SONAI, ensure your bank's portal accepts IFSC AHDC0000172 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Ahmednagar District Central Co-Operative Bank Ltd SONAI (IFSC AHDC0000172)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AHDC0000172 in your mobile or internet banking app, and the money is credited to the SONAI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sonai

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 AHDC0000172:

• 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 SONAI is still linked to IFSC AHDC0000172.

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 AHDC0000172

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 – SONAI is still mapped to IFSC AHDC0000172. 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 AHDC0000172 and the beneficiary's account number to complete the transfer.

Online banking and IFSC AHDC0000172

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 SONAI 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 AHDC0000172 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 Sonai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AHDC0000172 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – SONAI:

• The IFSC is exactly AHDC0000172 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 SONAI 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 Sonai branch sits at POST SONAI TAL NEWASA 414105. If you are travelling from outside Ahmednagar, search for the branch on a maps application using the bank name and locality, or call 2427-231328 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 AHDC0000172 and your account number.

Verifying IFSC AHDC0000172 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 AHDC0000172 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2427-231328.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Sonai 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 AHDC0000172 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: AHDC0000172 is the IFSC code of The Ahmednagar District Central Co-Operative Bank Ltd, SONAI 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.