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

Below are the complete branch details for The Andhra Pradesh State Cooperative Bank Limited, BHEEMUNIPATNAM branch, located in BHEEMUNIPATNAM, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is APBL0003003. 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 APBL0003003 for The Andhra Pradesh State Cooperative Bank Limited – BHEEMUNIPATNAM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 Andhra Pradesh State Cooperative Bank Limited – BHEEMUNIPATNAM is APBL0003003. The first four letters APBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003003 map to this branch in BHEEMUNIPATNAM, ANDHRA PRADESH.

About The Andhra Pradesh State Cooperative Bank Limited

The Andhra Pradesh State Cooperative Bank Limited operates a wide network of branches across India, including the Bheemunipatnam branch in Bheemunipatnam. 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, APBL0003003.

Branch details at a glance

Bheemunipatnam branch overview

Located at DOOR NO 12-26-4,BHEEMUNIPATNAM,VISAKHA DIST, the Bheemunipatnam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC APBL0003003 is required for all interbank electronic transfers routed through this branch.

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 BHEEMUNIPATNAM branch came to be assigned the code APBL0003003.

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 APBL0003003, money simply cannot be routed to the BHEEMUNIPATNAM branch electronically.

Account types you can open at the Bheemunipatnam branch

Once you have an account at The Andhra Pradesh State Cooperative Bank Limited – BHEEMUNIPATNAM, the IFSC APBL0003003 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.

Banking services available

The Bheemunipatnam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9989115527.

• 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 APBL0003003

How to transfer money using IFSC APBL0003003

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 APBL0003003 across all three.

How to use IFSC APBL0003003 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 BHEEMUNIPATNAM 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 APBL0003003.
4. Confirm the bank name auto-populates as The Andhra Pradesh State Cooperative Bank Limited and the branch as BHEEMUNIPATNAM.
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 BHEEMUNIPATNAM

If you need to transfer ₹2 lakh or more in one go to an account at The Andhra Pradesh State Cooperative Bank Limited's BHEEMUNIPATNAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC APBL0003003 while initiating the transfer and the credit will appear within minutes.

IMPS to The Andhra Pradesh State Cooperative Bank Limited BHEEMUNIPATNAM (IFSC APBL0003003)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC APBL0003003 in your mobile or internet banking app, and the money is credited to the BHEEMUNIPATNAM branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC APBL0003003 for The Andhra Pradesh State Cooperative Bank Limited – BHEEMUNIPATNAM, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Bheemunipatnam branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC APBL0003003

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 Andhra Pradesh State Cooperative Bank Limited – BHEEMUNIPATNAM is still mapped to IFSC APBL0003003. 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 APBL0003003 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Bheemunipatnam 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 APBL0003003 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.

MICR & cheque-truncation details

Cheques drawn on the Bheemunipatnam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC APBL0003003 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 Andhra Pradesh State Cooperative Bank Limited – BHEEMUNIPATNAM:

• The IFSC is exactly APBL0003003 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 BHEEMUNIPATNAM 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 Bheemunipatnam branch sits at DOOR NO 12-26-4,BHEEMUNIPATNAM,VISAKHA DIST. If you are travelling from outside Bheemunipatnam, search for the branch on a maps application using the bank name and locality, or call 9989115527 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 APBL0003003 and your account number.

Verifying IFSC APBL0003003 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 APBL0003003 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9989115527.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Bheemunipatnam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC APBL0003003, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code APBL0003003 belongs to The Andhra Pradesh State Cooperative Bank Limited's BHEEMUNIPATNAM branch, located at DOOR NO 12-26-4,BHEEMUNIPATNAM,VISAKHA DIST in BHEEMUNIPATNAM, 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.