IFSC Code of The Andhra Pradesh State Cooperative Bank Limited, The District Cooperative Central Bank Ltd Kakinada U Kothapalli Branch Branch, Andhra Pradesh

If you are searching for the IFSC code of The Andhra Pradesh State Cooperative Bank Limited, THE DISTRICT COOPERATIVE CENTRAL BANK LTD KAKINADA U KOTHAPALLI BRANCH branch in U.KOTHAPALLI, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is APBL0004049. 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 THE DISTRICT COOPERATIVE CENTRAL BANK LTD KAKINADA U KOTHAPALLI BRANCH branch, and detailed step-by-step guides for using the IFSC APBL0004049 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 – THE DISTRICT COOPERATIVE CENTRAL BANK LTD KAKINADA U KOTHAPALLI BRANCH is APBL0004049. The first four letters APBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004049 map to this branch in U.KOTHAPALLI, 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 The District Cooperative Central Bank Ltd Kakinada U Kothapalli Branch branch — IFSC APBL0004049 — extends the bank's services to customers in and around U.Kothapalli, Andhra Pradesh.

About this branch

The branch is located at THE DISTRICT CO OPERATIVE CENTRAL BANK LTD , KAKINADA U.KOTHAPALLI BRANCH, U KOTHAPALLI. It serves the U.Kothapalli 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 APBL0004049 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 THE DISTRICT COOPERATIVE CENTRAL BANK LTD KAKINADA U KOTHAPALLI BRANCH branch came to be assigned the code APBL0004049.

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 APBL0004049, money simply cannot be routed to the THE DISTRICT COOPERATIVE CENTRAL BANK LTD KAKINADA U KOTHAPALLI BRANCH branch electronically.

How to transfer money using IFSC APBL0004049

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 APBL0004049 across all three.

NEFT to The Andhra Pradesh State Cooperative Bank Limited, THE DISTRICT COOPERATIVE CENTRAL BANK LTD KAKINADA U KOTHAPALLI BRANCH using IFSC APBL0004049

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 APBL0004049, and confirm that the system picks up The Andhra Pradesh State Cooperative Bank Limited – THE DISTRICT COOPERATIVE CENTRAL BANK LTD KAKINADA U KOTHAPALLI BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE DISTRICT COOPERATIVE CENTRAL BANK LTD KAKINADA U KOTHAPALLI BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at The Andhra Pradesh State Cooperative Bank Limited's THE DISTRICT COOPERATIVE CENTRAL BANK LTD KAKINADA U KOTHAPALLI BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC APBL0004049 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Andhra Pradesh State Cooperative Bank Limited – THE DISTRICT COOPERATIVE CENTRAL BANK LTD KAKINADA U KOTHAPALLI BRANCH, use IMPS. With IFSC APBL0004049 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 The District Cooperative Central Bank Ltd Kakinada U Kothapalli Branch

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 APBL0004049:

• 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 THE DISTRICT COOPERATIVE CENTRAL BANK LTD KAKINADA U KOTHAPALLI BRANCH is still linked to IFSC APBL0004049.

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.

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 THE DISTRICT COOPERATIVE CENTRAL BANK LTD KAKINADA U KOTHAPALLI BRANCH branch, the IFSC APBL0004049 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 The District Cooperative Central Bank Ltd Kakinada U Kothapalli Branch branch is mapped to IFSC APBL0004049 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 APBL0004049.

Products and services

Customers walking into the The District Cooperative Central Bank Ltd Kakinada U Kothapalli Branch 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 APBL0004049

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 APBL0004049 and the account number together uniquely identify the The District Cooperative Central Bank Ltd Kakinada U Kothapalli Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC APBL0004049

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 THE DISTRICT COOPERATIVE CENTRAL BANK LTD KAKINADA U KOTHAPALLI BRANCH 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 APBL0004049 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.

Common mistakes to avoid when using IFSC APBL0004049

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 – THE DISTRICT COOPERATIVE CENTRAL BANK LTD KAKINADA U KOTHAPALLI BRANCH, 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: APBL0004049.
• 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 The District Cooperative Central Bank Ltd Kakinada U Kothapalli Branch branch

The branch is located at THE DISTRICT CO OPERATIVE CENTRAL BANK LTD , KAKINADA U.KOTHAPALLI BRANCH, U KOTHAPALLI, which puts it inside U.Kothapalli, the broader East Godavari 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 The District Cooperative Central Bank Ltd Kakinada U Kothapalli Branch branch” — the verified location pin for IFSC APBL0004049 should appear at the top of the results.
2. Confirm the branch is open by calling 9553302209 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 APBL0004049 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC APBL0004049 for The Andhra Pradesh State Cooperative Bank Limited – THE DISTRICT COOPERATIVE CENTRAL BANK LTD KAKINADA U KOTHAPALLI BRANCH, 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 The District Cooperative Central Bank Ltd Kakinada U Kothapalli Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC APBL0004049, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: APBL0004049 is the IFSC code of The Andhra Pradesh State Cooperative Bank Limited, THE DISTRICT COOPERATIVE CENTRAL BANK LTD KAKINADA U KOTHAPALLI BRANCH branch, in U.KOTHAPALLI, 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.