This page lists the IFSC code, branch address, contact number and fund-transfer information for The Andhra Pradesh State Cooperative Bank Limited, PENUGONDA branch in PENUGONDA. The 11-digit IFSC APBL0005025 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Andhra Pradesh State Cooperative Bank Limited at the PENUGONDA location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, APBL0005025 is the IFSC of The Andhra Pradesh State Cooperative Bank Limited's PENUGONDA branch. The format is fixed: APBL = bank code, 0 = reserved, 005025 = 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 Penugonda branch in Penugonda. 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, APBL0005025.
Branch details at a glance
| Bank Name | The Andhra Pradesh State Cooperative Bank Limited |
|---|---|
| Branch | Penugonda |
| IFSC Code | APBL0005025 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MAIN ROAD, PENUGONDA |
| City | Penugonda |
| District | Eluru |
| State | Andhra Pradesh |
| STD Code | 8819 |
| Phone | 246147 |
About the Penugonda branch
The Penugonda branch of The Andhra Pradesh State Cooperative Bank Limited is situated at MAIN ROAD, PENUGONDA. 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 APBL0005025 is used.
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 PENUGONDA branch came to be assigned the code APBL0005025.
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 APBL0005025, money simply cannot be routed to the PENUGONDA branch electronically.
Account types you can open at the Penugonda branch
Once you have an account at The Andhra Pradesh State Cooperative Bank Limited – PENUGONDA, the IFSC APBL0005025 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 Penugonda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8819-246147.
- 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 APBL0005025
How to transfer money using IFSC APBL0005025
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 APBL0005025 across all three.
NEFT to The Andhra Pradesh State Cooperative Bank Limited, PENUGONDA using IFSC APBL0005025
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 APBL0005025, and confirm that the system picks up The Andhra Pradesh State Cooperative Bank Limited – PENUGONDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC APBL0005025
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to The Andhra Pradesh State Cooperative Bank Limited – PENUGONDA, ensure your bank's portal accepts IFSC APBL0005025 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to The Andhra Pradesh State Cooperative Bank Limited – PENUGONDA, use IMPS. With IFSC APBL0005025 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 Penugonda
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 APBL0005025:
- 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 PENUGONDA is still linked to IFSC APBL0005025.
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 APBL0005025
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 – PENUGONDA is still mapped to IFSC APBL0005025. 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 APBL0005025 and the beneficiary's account number to complete the transfer.
Online banking and IFSC APBL0005025
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 PENUGONDA 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 APBL0005025 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.
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 APBL0005025 and the account number together uniquely identify the Penugonda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC APBL0005025
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 – PENUGONDA, 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:
APBL0005025. - 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.
How to reach the Penugonda branch
The branch is located at MAIN ROAD, PENUGONDA, which puts it inside Penugonda, the broader Eluru district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “The Andhra Pradesh State Cooperative Bank Limited Penugonda branch” — the verified location pin for IFSC APBL0005025 should appear at the top of the results.
- Confirm the branch is open by calling 8819-246147 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC APBL0005025 and your account number.
Verifying IFSC APBL0005025 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 APBL0005025 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8819-246147.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Penugonda 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 APBL0005025 continue to work without interruption.
Branch address & contact
The Andhra Pradesh State Cooperative Bank LimitedPenugonda Branch
MAIN ROAD, PENUGONDA
Penugonda, Andhra Pradesh
Phone: 8819-246147
IFSC: APBL0005025
Frequently asked questions
Where is The Andhra Pradesh State Cooperative Bank Limited Penugonda branch located?
The Andhra Pradesh State Cooperative Bank Limited's Penugonda branch is located at MAIN ROAD, PENUGONDA, Penugonda, Andhra Pradesh.
How do I add The Andhra Pradesh State Cooperative Bank Limited Penugonda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC APBL0005025, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Penugonda branch but serve different purposes.
What is the IFSC code of The Andhra Pradesh State Cooperative Bank Limited Penugonda branch?
The IFSC code of The Andhra Pradesh State Cooperative Bank Limited, Penugonda branch is APBL0005025. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC APBL0005025 valid for NEFT and RTGS?
Yes. IFSC APBL0005025 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC APBL0005025 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC APBL0005025 to send funds instantly.
Is IFSC APBL0005025 the same for all accounts at Penugonda branch?
Yes. The IFSC APBL0005025 is shared by every account held at The Andhra Pradesh State Cooperative Bank Limited's Penugonda branch. Only the account number changes from customer to customer.
Does The Andhra Pradesh State Cooperative Bank Limited Penugonda branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8819-246147 to confirm.
Summary
The IFSC code APBL0005025 belongs to The Andhra Pradesh State Cooperative Bank Limited's PENUGONDA branch, located at MAIN ROAD, PENUGONDA in PENUGONDA, 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.
More Articles for IFSC Code
IFSC Code of Zila Sahakri Bank Limited Ghaziabad, Loni Branch, Uttar Pradesh
