IFSC Code of The Andhra Pradesh State Cooperative Bank Limited, Distcoopbankltd Srkl Gara Branch, Andhra Pradesh

Below are the complete branch details for The Andhra Pradesh State Cooperative Bank Limited, DISTCOOPBANKLTD SRKL GARA branch, located in GARA, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is APBL0001016. 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 APBL0001016 for The Andhra Pradesh State Cooperative Bank Limited – DISTCOOPBANKLTD SRKL GARA — 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 – DISTCOOPBANKLTD SRKL GARA is APBL0001016. The first four letters APBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001016 map to this branch in GARA, ANDHRA PRADESH.

Bank profile

The Andhra Pradesh State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Distcoopbankltd Srkl Gara branch — IFSC APBL0001016 — extends the bank's services to customers in and around Gara, Andhra Pradesh.

Distcoopbankltd Srkl Gara branch overview

Located at GARA DCCB MDL SRIKAKULAM 532432, the Distcoopbankltd Srkl Gara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC APBL0001016 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

Why every The Andhra Pradesh State Cooperative Bank Limited 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 DISTCOOPBANKLTD SRKL GARA of The Andhra Pradesh State Cooperative Bank Limited — its own 11-character IFSC. The code APBL0001016 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 APBL0001016 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 Distcoopbankltd Srkl Gara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC APBL0001016 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 APBL0001016

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 APBL0001016 across all three.

NEFT to The Andhra Pradesh State Cooperative Bank Limited, DISTCOOPBANKLTD SRKL GARA using IFSC APBL0001016

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 APBL0001016, and confirm that the system picks up The Andhra Pradesh State Cooperative Bank Limited – DISTCOOPBANKLTD SRKL GARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to DISTCOOPBANKLTD SRKL GARA

If you need to transfer ₹2 lakh or more in one go to an account at The Andhra Pradesh State Cooperative Bank Limited's DISTCOOPBANKLTD SRKL GARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC APBL0001016 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 – DISTCOOPBANKLTD SRKL GARA, use IMPS. With IFSC APBL0001016 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 Distcoopbankltd Srkl Gara

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 APBL0001016:

• 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 DISTCOOPBANKLTD SRKL GARA is still linked to IFSC APBL0001016.

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 DISTCOOPBANKLTD SRKL GARA branch, the IFSC APBL0001016 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.

Account types you can open at the Distcoopbankltd Srkl Gara branch

Once you have an account at The Andhra Pradesh State Cooperative Bank Limited – DISTCOOPBANKLTD SRKL GARA, the IFSC APBL0001016 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 Distcoopbankltd Srkl Gara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8942-9160018935.

• 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 APBL0001016

Online banking and IFSC APBL0001016

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 DISTCOOPBANKLTD SRKL GARA 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 APBL0001016 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 Distcoopbankltd Srkl Gara branch sits at GARA DCCB MDL SRIKAKULAM 532432. If you are travelling from outside Gara, search for the branch on a maps application using the bank name and locality, or call 8942-9160018935 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 APBL0001016 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 – DISTCOOPBANKLTD SRKL GARA:

• The IFSC is exactly APBL0001016 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 DISTCOOPBANKLTD SRKL GARA 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 Distcoopbankltd Srkl Gara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC APBL0001016, however, work 24x7.

Verifying IFSC APBL0001016 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 APBL0001016 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8942-9160018935.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: APBL0001016 is the IFSC code of The Andhra Pradesh State Cooperative Bank Limited, DISTCOOPBANKLTD SRKL GARA branch, in GARA, 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.