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

Use this page as a one-stop reference for everything related to The Andhra Pradesh State Cooperative Bank Limited's PATHAGANNAVARAM branch in PATHAGANNAVARAM, ANDHRA PRADESH. The branch's IFSC code APBL0004028 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, APBL0004028 is the IFSC of The Andhra Pradesh State Cooperative Bank Limited's PATHAGANNAVARAM branch. The format is fixed: APBL = bank code, 0 = reserved, 004028 = branch identifier.

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 Pathagannavaram branch in Pathagannavaram. 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, APBL0004028.

About the Pathagannavaram branch

The Pathagannavaram branch of The Andhra Pradesh State Cooperative Bank Limited is situated at D.NO.6-115/3B, NEAR POLICE STATION, P.GANNAVARAM. 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 APBL0004028 is used.

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 PATHAGANNAVARAM of The Andhra Pradesh State Cooperative Bank Limited — its own 11-character IFSC. The code APBL0004028 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 APBL0004028 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 Pathagannavaram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC APBL0004028 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 APBL0004028

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 APBL0004028 across all three.

NEFT to The Andhra Pradesh State Cooperative Bank Limited, PATHAGANNAVARAM using IFSC APBL0004028

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 APBL0004028, and confirm that the system picks up The Andhra Pradesh State Cooperative Bank Limited – PATHAGANNAVARAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PATHAGANNAVARAM

If you need to transfer ₹2 lakh or more in one go to an account at The Andhra Pradesh State Cooperative Bank Limited's PATHAGANNAVARAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC APBL0004028 while initiating the transfer and the credit will appear within minutes.

IMPS to The Andhra Pradesh State Cooperative Bank Limited PATHAGANNAVARAM (IFSC APBL0004028)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC APBL0004028 in your mobile or internet banking app, and the money is credited to the PATHAGANNAVARAM branch account within seconds.

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

All three modes accept the IFSC APBL0004028 for The Andhra Pradesh State Cooperative Bank Limited – PATHAGANNAVARAM, 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 Pathagannavaram 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.

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 PATHAGANNAVARAM branch, the IFSC APBL0004028 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 Pathagannavaram branch is mapped to IFSC APBL0004028 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 APBL0004028.

Products and services

Customers walking into the Pathagannavaram 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 APBL0004028

Online banking and IFSC APBL0004028

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 PATHAGANNAVARAM 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 APBL0004028 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 Pathagannavaram branch sits at D.NO.6-115/3B, NEAR POLICE STATION, P.GANNAVARAM. If you are travelling from outside Pathagannavaram, search for the branch on a maps application using the bank name and locality, or call 8855-289443 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 APBL0004028 and your account number.

Common mistakes to avoid when using IFSC APBL0004028

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 – PATHAGANNAVARAM, 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: APBL0004028.
• 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.

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 Pathagannavaram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC APBL0004028, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC APBL0004028 for The Andhra Pradesh State Cooperative Bank Limited – PATHAGANNAVARAM, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Final notes

To recap: APBL0004028 is the IFSC code of The Andhra Pradesh State Cooperative Bank Limited, PATHAGANNAVARAM branch, in PATHAGANNAVARAM, 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.