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

Use this page as a one-stop reference for everything related to The Andhra Pradesh State Cooperative Bank Limited's RAJAM branch in RAJAM, ANDHRA PRADESH. The branch's IFSC code APBL0001011 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.

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 – RAJAM is APBL0001011. The first four letters APBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001011 map to this branch in RAJAM, ANDHRA PRADESH.

Branch details at a glance

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 Rajam branch — IFSC APBL0001011 — extends the bank's services to customers in and around Rajam, Andhra Pradesh.

About this branch

The branch is located at MADAVA BAZAR, RAJAM -532 127. It serves the Rajam 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 APBL0001011 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 RAJAM branch came to be assigned the code APBL0001011.

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 APBL0001011, money simply cannot be routed to the RAJAM branch electronically.

How to transfer money using IFSC APBL0001011

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 APBL0001011 across all three.

NEFT to The Andhra Pradesh State Cooperative Bank Limited, RAJAM using IFSC APBL0001011

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 APBL0001011, and confirm that the system picks up The Andhra Pradesh State Cooperative Bank Limited – RAJAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC APBL0001011

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 – RAJAM, ensure your bank's portal accepts IFSC APBL0001011 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Andhra Pradesh State Cooperative Bank Limited RAJAM (IFSC APBL0001011)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC APBL0001011 in your mobile or internet banking app, and the money is credited to the RAJAM branch account within seconds.

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

All three modes accept the IFSC APBL0001011 for The Andhra Pradesh State Cooperative Bank Limited – RAJAM, 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 Rajam 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 APBL0001011

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 – RAJAM is still mapped to IFSC APBL0001011. 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 APBL0001011 and the beneficiary's account number to complete the transfer.

Account types you can open at the Rajam branch

Once you have an account at The Andhra Pradesh State Cooperative Bank Limited – RAJAM, the IFSC APBL0001011 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 Rajam 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 APBL0001011

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 APBL0001011 and the account number together uniquely identify the Rajam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC APBL0001011

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 RAJAM 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 APBL0001011 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.

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 – RAJAM:

• The IFSC is exactly APBL0001011 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 RAJAM 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.

How to reach the Rajam branch

The branch is located at MADAVA BAZAR, RAJAM -532 127, which puts it inside Rajam, the broader Srikakulam district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “The Andhra Pradesh State Cooperative Bank Limited Rajam branch” — the verified location pin for IFSC APBL0001011 should appear at the top of the results.
2. Confirm the branch is open by calling 8941-9160018927 before stepping out, especially around public holidays.
3. 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 APBL0001011 and your account number.

Verifying IFSC APBL0001011 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 APBL0001011 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8941-9160018927.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Rajam 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 APBL0001011 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code APBL0001011 belongs to The Andhra Pradesh State Cooperative Bank Limited's RAJAM branch, located at MADAVA BAZAR, RAJAM -532 127 in RAJAM, 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.