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

Use this page as a one-stop reference for everything related to The Andhra Pradesh State Cooperative Bank Limited's GANAPAVARAM branch in GANAPAVARAM, ANDHRA PRADESH. The branch's IFSC code APBL0005014 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.

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 – GANAPAVARAM is APBL0005014. The first four letters APBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005014 map to this branch in GANAPAVARAM, 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 Ganapavaram branch in Ganapavaram. 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, APBL0005014.

Ganapavaram branch overview

Located at NEAR RTC BUS STAND, GANAPAVARAM, the Ganapavaram branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC APBL0005014 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 GANAPAVARAM branch came to be assigned the code APBL0005014.

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 APBL0005014, money simply cannot be routed to the GANAPAVARAM branch electronically.

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 APBL0005014 and the account number together uniquely identify the Ganapavaram branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC APBL0005014

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 APBL0005014 across all three.

How to use IFSC APBL0005014 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 GANAPAVARAM 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 APBL0005014.
4. Confirm the bank name auto-populates as The Andhra Pradesh State Cooperative Bank Limited and the branch as GANAPAVARAM.
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 GANAPAVARAM

If you need to transfer ₹2 lakh or more in one go to an account at The Andhra Pradesh State Cooperative Bank Limited's GANAPAVARAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC APBL0005014 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Andhra Pradesh State Cooperative Bank Limited – GANAPAVARAM, use IMPS. With IFSC APBL0005014 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Ganapavaram

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 APBL0005014:

• 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 GANAPAVARAM is still linked to IFSC APBL0005014.

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 GANAPAVARAM branch, the IFSC APBL0005014 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.

Products and account variants supported

Every account opened at the Ganapavaram branch is mapped to IFSC APBL0005014 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 APBL0005014.

Products and services

Customers walking into the Ganapavaram branch can access most of The Andhra Pradesh State Cooperative Bank Limited'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 APBL0005014

Online banking and IFSC APBL0005014

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 GANAPAVARAM 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 APBL0005014 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.

Reaching the branch

The Ganapavaram branch sits at NEAR RTC BUS STAND, GANAPAVARAM. If you are travelling from outside Ganapavaram, search for the branch on a maps application using the bank name and locality, or call 8818-256298 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 APBL0005014 and your account number.

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 – GANAPAVARAM:

• The IFSC is exactly APBL0005014 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 GANAPAVARAM 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.

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 Ganapavaram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC APBL0005014, however, work 24x7.

Verifying IFSC APBL0005014 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 APBL0005014 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8818-256298.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: APBL0005014 is the IFSC code of The Andhra Pradesh State Cooperative Bank Limited, GANAPAVARAM branch, in GANAPAVARAM, ANDHRA PRADESH. 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.