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

Use this page as a one-stop reference for everything related to The Andhra Pradesh State Cooperative Bank Limited's RAZOLE branch in RAZOLE, ANDHRA PRADESH. The branch's IFSC code APBL0004040 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, APBL0004040 is the IFSC of The Andhra Pradesh State Cooperative Bank Limited's RAZOLE branch. The format is fixed: APBL = bank code, 0 = reserved, 004040 = branch identifier.

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 Razole branch — IFSC APBL0004040 — extends the bank's services to customers in and around Razole, Andhra Pradesh.

About the Razole branch

The Razole branch of The Andhra Pradesh State Cooperative Bank Limited is situated at D.NO.2-55, NEAR LIC OFFICE, RAZOLE. 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 APBL0004040 is used.

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 RAZOLE of The Andhra Pradesh State Cooperative Bank Limited — its own 11-character IFSC. The code APBL0004040 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 APBL0004040 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC APBL0004040

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 APBL0004040 across all three.

NEFT to The Andhra Pradesh State Cooperative Bank Limited, RAZOLE using IFSC APBL0004040

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 APBL0004040, and confirm that the system picks up The Andhra Pradesh State Cooperative Bank Limited – RAZOLE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC APBL0004040

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 – RAZOLE, ensure your bank's portal accepts IFSC APBL0004040 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 – RAZOLE, use IMPS. With IFSC APBL0004040 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 APBL0004040 for The Andhra Pradesh State Cooperative Bank Limited – RAZOLE, 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 Razole 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 RAZOLE branch, the IFSC APBL0004040 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 Razole branch is mapped to IFSC APBL0004040 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 APBL0004040.

Banking services available

The Razole branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8862-221040.

• 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 APBL0004040

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 APBL0004040 and the account number together uniquely identify the Razole branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC APBL0004040

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 RAZOLE 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 APBL0004040 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 – RAZOLE:

• The IFSC is exactly APBL0004040 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 RAZOLE 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.

Reaching the branch

The Razole branch sits at D.NO.2-55, NEAR LIC OFFICE, RAZOLE. If you are travelling from outside Razole, search for the branch on a maps application using the bank name and locality, or call 8862-221040 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 APBL0004040 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC APBL0004040 for The Andhra Pradesh State Cooperative Bank Limited – RAZOLE, 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 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 Razole branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC APBL0004040, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: APBL0004040 is the IFSC code of The Andhra Pradesh State Cooperative Bank Limited, RAZOLE branch, in RAZOLE, 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.