IFSC Code of The Andhra Pradesh State Cooperative Bank Limited, Amaravathi Branch, Andhra Pradesh

Use this page as a one-stop reference for everything related to The Andhra Pradesh State Cooperative Bank Limited's AMARAVATHI branch in AMARAVATHI, ANDHRA PRADESH. The branch's IFSC code APBL0007004 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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, APBL0007004 is the IFSC of The Andhra Pradesh State Cooperative Bank Limited's AMARAVATHI branch. The format is fixed: APBL = bank code, 0 = reserved, 007004 = branch identifier.

About the bank

The Andhra Pradesh State Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Amaravathi branch in Amaravathi, Andhra Pradesh is part of this network and uses the IFSC code APBL0007004 for all electronic settlement.

Branch details at a glance

About the Amaravathi branch

The Amaravathi branch of The Andhra Pradesh State Cooperative Bank Limited is situated at 12-44,MAIN ROAD,GUBBA VARI VEEDHI,AMARAVATHI522020. 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 APBL0007004 is used.

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 Andhra Pradesh State Cooperative Bank Limited's AMARAVATHI branch came to be assigned the code APBL0007004.

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 APBL0007004, money simply cannot be routed to the AMARAVATHI branch electronically.

Products and account variants supported

Every account opened at the Amaravathi branch is mapped to IFSC APBL0007004 on the RBI payments network. The branch generally supports the full retail product catalogue of The Andhra Pradesh State Cooperative Bank Limited, 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 APBL0007004.

Banking services available

The Amaravathi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9703918487.

• 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 APBL0007004

How to transfer money using IFSC APBL0007004

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 APBL0007004 across all three.

How to use IFSC APBL0007004 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Andhra Pradesh State Cooperative Bank Limited's AMARAVATHI 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 APBL0007004.
4. Confirm the bank name auto-populates as The Andhra Pradesh State Cooperative Bank Limited and the branch as AMARAVATHI.
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 APBL0007004

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 Andhra Pradesh State Cooperative Bank Limited – AMARAVATHI, ensure your bank's portal accepts IFSC APBL0007004 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Andhra Pradesh State Cooperative Bank Limited AMARAVATHI (IFSC APBL0007004)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC APBL0007004 in your mobile or internet banking app, and the money is credited to the AMARAVATHI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Amaravathi

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 APBL0007004:

• 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 AMARAVATHI is still linked to IFSC APBL0007004.

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 Andhra Pradesh State Cooperative Bank Limited's AMARAVATHI branch, the IFSC APBL0007004 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 APBL0007004

The Andhra Pradesh State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AMARAVATHI 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 APBL0007004 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 code & cheque clearing

Apart from IFSC, every cheque book issued by The Andhra Pradesh State Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC APBL0007004 and the account number together uniquely identify the Amaravathi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 Andhra Pradesh State Cooperative Bank Limited – AMARAVATHI:

• The IFSC is exactly APBL0007004 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Andhra Pradesh State Cooperative Bank Limited as the bank name and AMARAVATHI 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.

How to reach the Amaravathi branch

The branch is located at 12-44,MAIN ROAD,GUBBA VARI VEEDHI,AMARAVATHI522020, which puts it inside Amaravathi, the broader Guntur district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “The Andhra Pradesh State Cooperative Bank Limited Amaravathi branch” — the verified location pin for IFSC APBL0007004 should appear at the top of the results.
2. Confirm the branch is open by calling 9703918487 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 APBL0007004 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC APBL0007004 for The Andhra Pradesh State Cooperative Bank Limited – AMARAVATHI, 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 Amaravathi 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 APBL0007004 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code APBL0007004 belongs to The Andhra Pradesh State Cooperative Bank Limited's AMARAVATHI branch, located at 12-44,MAIN ROAD,GUBBA VARI VEEDHI,AMARAVATHI522020 in AMARAVATHI, ANDHRA PRADESH. 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.