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

If you are searching for the IFSC code of The Andhra Pradesh State Cooperative Bank Limited, AMBAJIPETA branch in KAKINADA, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is APBL0004050. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the AMBAJIPETA branch, and detailed step-by-step guides for using the IFSC APBL0004050 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 – AMBAJIPETA is APBL0004050. The first four letters APBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004050 map to this branch in KAKINADA, 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 Ambajipeta branch in Kakinada. 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, APBL0004050.

About the Ambajipeta branch

The Ambajipeta branch of The Andhra Pradesh State Cooperative Bank Limited is situated at OPP.ANDHRABANK,AMBAJIPETA,EASTGODAVARIDIST,ANDHRAPRADESH.PINCODE-533214. 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 APBL0004050 is used.

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 AMBAJIPETA branch came to be assigned the code APBL0004050.

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 APBL0004050, money simply cannot be routed to the AMBAJIPETA 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 APBL0004050 and the account number together uniquely identify the Ambajipeta branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC APBL0004050

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 APBL0004050 across all three.

NEFT to The Andhra Pradesh State Cooperative Bank Limited, AMBAJIPETA using IFSC APBL0004050

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 APBL0004050, and confirm that the system picks up The Andhra Pradesh State Cooperative Bank Limited – AMBAJIPETA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to AMBAJIPETA

If you need to transfer ₹2 lakh or more in one go to an account at The Andhra Pradesh State Cooperative Bank Limited's AMBAJIPETA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC APBL0004050 while initiating the transfer and the credit will appear within minutes.

IMPS to The Andhra Pradesh State Cooperative Bank Limited AMBAJIPETA (IFSC APBL0004050)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC APBL0004050 in your mobile or internet banking app, and the money is credited to the AMBAJIPETA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ambajipeta

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 APBL0004050:

• 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 AMBAJIPETA is still linked to IFSC APBL0004050.

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.

UPI payments and IFSC APBL0004050

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 – AMBAJIPETA is still mapped to IFSC APBL0004050. 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 APBL0004050 and the beneficiary's account number to complete the transfer.

Account types you can open at the Ambajipeta branch

Once you have an account at The Andhra Pradesh State Cooperative Bank Limited – AMBAJIPETA, the IFSC APBL0004050 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.

Products and services

Customers walking into the Ambajipeta 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 APBL0004050

Digital banking channels

Most day-to-day work that customers used to do at the Ambajipeta 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 APBL0004050 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.

Reaching the branch

The Ambajipeta branch sits at OPP.ANDHRABANK,AMBAJIPETA,EASTGODAVARIDIST,ANDHRAPRADESH.PINCODE-533214. If you are travelling from outside Kakinada, search for the branch on a maps application using the bank name and locality, or call 8856-243999 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 APBL0004050 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 – AMBAJIPETA:

• The IFSC is exactly APBL0004050 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 AMBAJIPETA 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 Ambajipeta branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC APBL0004050, however, work 24x7.

Verifying IFSC APBL0004050 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 APBL0004050 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8856-243999.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: APBL0004050 is the IFSC code of The Andhra Pradesh State Cooperative Bank Limited, AMBAJIPETA branch, in KAKINADA, 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.