Use this page as a one-stop reference for everything related to The Andhra Pradesh State Cooperative Bank Limited's THE DIST. CO-OPERATIVE CENTRAL BANK LTD., GUNTUR - NAKARIKALLU branch in GUNTUR, ANDHRA PRADESH. The branch's IFSC code APBL0007040 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, APBL0007040 is the IFSC of The Andhra Pradesh State Cooperative Bank Limited's THE DIST. CO-OPERATIVE CENTRAL BANK LTD., GUNTUR - NAKARIKALLU branch. The format is fixed: APBL = bank code, 0 = reserved, 007040 = branch identifier.
Branch details at a glance
| Bank Name | The Andhra Pradesh State Cooperative Bank Limited |
|---|---|
| Branch | The Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu |
| IFSC Code | APBL0007040 |
| MICR Code | Refer to cheque leaf |
| Branch Address | D NO 4 - 16 CHOWTRA CENTER NAKARIKALLU VILLAGE AND MANDAL GUNTUR - 522615 |
| City | Guntur |
| District | Guntur |
| State | Andhra Pradesh |
| STD Code | 8647 |
| Phone | 241117 |
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 The Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu branch in Guntur, Andhra Pradesh is part of this network and uses the IFSC code APBL0007040 for all electronic settlement.
About this branch
The branch is located at D NO 4 - 16 CHOWTRA CENTER NAKARIKALLU VILLAGE AND MANDAL GUNTUR - 522615. It serves the Guntur 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 Andhra Pradesh State Cooperative Bank Limited. The IFSC APBL0007040 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 Andhra Pradesh State Cooperative Bank Limited's THE DIST. CO-OPERATIVE CENTRAL BANK LTD., GUNTUR - NAKARIKALLU branch came to be assigned the code APBL0007040.
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 APBL0007040, money simply cannot be routed to the THE DIST. CO-OPERATIVE CENTRAL BANK LTD., GUNTUR - NAKARIKALLU branch electronically.
How to transfer money using IFSC APBL0007040
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 APBL0007040 across all three.
NEFT to The Andhra Pradesh State Cooperative Bank Limited, THE DIST. CO-OPERATIVE CENTRAL BANK LTD., GUNTUR - NAKARIKALLU using IFSC APBL0007040
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 APBL0007040, and confirm that the system picks up The Andhra Pradesh State Cooperative Bank Limited – THE DIST. CO-OPERATIVE CENTRAL BANK LTD., GUNTUR - NAKARIKALLU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to THE DIST. CO-OPERATIVE CENTRAL BANK LTD., GUNTUR - NAKARIKALLU
If you need to transfer ₹2 lakh or more in one go to an account at The Andhra Pradesh State Cooperative Bank Limited's THE DIST. CO-OPERATIVE CENTRAL BANK LTD., GUNTUR - NAKARIKALLU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC APBL0007040 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 – THE DIST. CO-OPERATIVE CENTRAL BANK LTD., GUNTUR - NAKARIKALLU, use IMPS. With IFSC APBL0007040 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC APBL0007040 for The Andhra Pradesh State Cooperative Bank Limited – THE DIST. CO-OPERATIVE CENTRAL BANK LTD., GUNTUR - NAKARIKALLU, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – APBL0007040 | Yes – APBL0007040 | Yes – APBL0007040 |
For most retail customers crediting the The Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu 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 APBL0007040
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 – THE DIST. CO-OPERATIVE CENTRAL BANK LTD., GUNTUR - NAKARIKALLU is still mapped to IFSC APBL0007040. 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 APBL0007040 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the The Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu branch is mapped to IFSC APBL0007040 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 APBL0007040.
Products and services
Customers walking into the The Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu 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 APBL0007040
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 APBL0007040 and the account number together uniquely identify the The Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC APBL0007040
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 THE DIST. CO-OPERATIVE CENTRAL BANK LTD., GUNTUR - NAKARIKALLU 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 APBL0007040 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.
Common mistakes to avoid when using IFSC APBL0007040
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to The Andhra Pradesh State Cooperative Bank Limited – THE DIST. CO-OPERATIVE CENTRAL BANK LTD., GUNTUR - NAKARIKALLU, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
APBL0007040. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The The Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu branch sits at D NO 4 - 16 CHOWTRA CENTER NAKARIKALLU VILLAGE AND MANDAL GUNTUR - 522615. If you are travelling from outside Guntur, search for the branch on a maps application using the bank name and locality, or call 8647-241117 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 APBL0007040 and your account number.
Verifying IFSC APBL0007040 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 APBL0007040 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8647-241117.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at The Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu 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 APBL0007040 continue to work without interruption.
Branch address & contact
The Andhra Pradesh State Cooperative Bank LimitedThe Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu Branch
D NO 4 - 16 CHOWTRA CENTER NAKARIKALLU VILLAGE AND MANDAL GUNTUR - 522615
Guntur, Andhra Pradesh
Phone: 8647-241117
IFSC: APBL0007040
Frequently asked questions
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the The Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu branch but serve different purposes.
What is the phone number of The Andhra Pradesh State Cooperative Bank Limited The Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu branch?
You can reach the branch at 8647-241117 during regular banking hours.
How quickly will an NEFT transfer using APBL0007040 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Andhra Pradesh State Cooperative Bank Limited – The Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu reflect within 30 minutes.
Where is The Andhra Pradesh State Cooperative Bank Limited The Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu branch located?
The Andhra Pradesh State Cooperative Bank Limited's The Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu branch is located at D NO 4 - 16 CHOWTRA CENTER NAKARIKALLU VILLAGE AND MANDAL GUNTUR - 522615, Guntur, Andhra Pradesh.
How do I add The Andhra Pradesh State Cooperative Bank Limited The Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC APBL0007040, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC APBL0007040 the same for all accounts at The Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu branch?
Yes. The IFSC APBL0007040 is shared by every account held at The Andhra Pradesh State Cooperative Bank Limited's The Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu branch. Only the account number changes from customer to customer.
Is IFSC APBL0007040 valid for NEFT and RTGS?
Yes. IFSC APBL0007040 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of The Andhra Pradesh State Cooperative Bank Limited The Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu branch?
The IFSC code of The Andhra Pradesh State Cooperative Bank Limited, The Dist. Co-Operative Central Bank Ltd., Guntur - Nakarikallu branch is APBL0007040. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code APBL0007040 belongs to The Andhra Pradesh State Cooperative Bank Limited's THE DIST. CO-OPERATIVE CENTRAL BANK LTD., GUNTUR - NAKARIKALLU branch, located at D NO 4 - 16 CHOWTRA CENTER NAKARIKALLU VILLAGE AND MANDAL GUNTUR - 522615 in GUNTUR, 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.
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