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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Andhra Pradesh State Cooperative Bank Limited, VELGODU branch in VELGODU. The 11-digit IFSC APBL0013019 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 VELGODU 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, APBL0013019 is the IFSC of The Andhra Pradesh State Cooperative Bank Limited's VELGODU branch. The format is fixed: APBL = bank code, 0 = reserved, 013019 = branch identifier.

Branch details at a glance

About the bank

The Andhra Pradesh State Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Velgodu branch in Velgodu, Andhra Pradesh is part of this network and uses the IFSC code APBL0013019 for all electronic settlement.

About the Velgodu branch

The Velgodu branch of The Andhra Pradesh State Cooperative Bank Limited is situated at HNO 547 A NEAR RTC BUS STAND VELUGODU. 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 APBL0013019 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 VELGODU of The Andhra Pradesh State Cooperative Bank Limited — its own 11-character IFSC. The code APBL0013019 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 APBL0013019 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 APBL0013019

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 APBL0013019 across all three.

NEFT to The Andhra Pradesh State Cooperative Bank Limited, VELGODU using IFSC APBL0013019

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 APBL0013019, and confirm that the system picks up The Andhra Pradesh State Cooperative Bank Limited – VELGODU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VELGODU

If you need to transfer ₹2 lakh or more in one go to an account at The Andhra Pradesh State Cooperative Bank Limited's VELGODU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC APBL0013019 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 – VELGODU, use IMPS. With IFSC APBL0013019 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 APBL0013019 for The Andhra Pradesh State Cooperative Bank Limited – VELGODU, 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 Velgodu 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 APBL0013019

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 – VELGODU is still mapped to IFSC APBL0013019. 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 APBL0013019 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Velgodu branch is mapped to IFSC APBL0013019 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 APBL0013019.

Banking services available

The Velgodu branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8517-235023.

• 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 APBL0013019

MICR & cheque-truncation details

Cheques drawn on the Velgodu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC APBL0013019 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC APBL0013019

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 VELGODU 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 APBL0013019 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 APBL0013019

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 – VELGODU, 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: APBL0013019.
• 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 Velgodu branch

The branch is located at HNO 547 A NEAR RTC BUS STAND VELUGODU, which puts it inside Velgodu, the broader Kurnool 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 Velgodu branch” — the verified location pin for IFSC APBL0013019 should appear at the top of the results.
2. Confirm the branch is open by calling 8517-235023 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 APBL0013019 and your account number.

Verifying IFSC APBL0013019 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 APBL0013019 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8517-235023.
• Visiting the bank's official branch locator page.

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 Velgodu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC APBL0013019, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: APBL0013019 is the IFSC code of The Andhra Pradesh State Cooperative Bank Limited, VELGODU branch, in VELGODU, 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.