IFSC Code of The Andhra Pradesh State Cooperative Bank Limited, Service Branch Central Office Branch, Andhra Pradesh

Below are the complete branch details for The Andhra Pradesh State Cooperative Bank Limited, SERVICE BRANCH CENTRAL OFFICE branch, located in VISAKHAPATNAM, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is APBL0003001. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case APBL0003001 for The Andhra Pradesh State Cooperative Bank Limited – SERVICE BRANCH CENTRAL OFFICE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For The Andhra Pradesh State Cooperative Bank Limited's SERVICE BRANCH CENTRAL OFFICE branch, the IFSC APBL0003001 breaks down as follows: APBL identifies the bank, 0 is the reserved character, and 003001 identifies this particular branch.

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 Service Branch Central Office branch in Visakhapatnam, Andhra Pradesh is part of this network and uses the IFSC code APBL0003001 for all electronic settlement.

About this branch

The branch is located at MARRIPALEM, VUDA LAYOUT,DOO BO. 58-14-57/2 NH 5 ,VISAKHAPATNAM 531009. It serves the Visakhapatnam 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 APBL0003001 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 SERVICE BRANCH CENTRAL OFFICE branch came to be assigned the code APBL0003001.

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 APBL0003001, money simply cannot be routed to the SERVICE BRANCH CENTRAL OFFICE branch electronically.

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 APBL0003001 and the account number together uniquely identify the Service Branch Central Office branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC APBL0003001

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 APBL0003001 across all three.

How to use IFSC APBL0003001 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Andhra Pradesh State Cooperative Bank Limited's SERVICE BRANCH CENTRAL OFFICE branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC APBL0003001.
4. Confirm the bank name auto-populates as The Andhra Pradesh State Cooperative Bank Limited and the branch as SERVICE BRANCH CENTRAL OFFICE.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC APBL0003001

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 – SERVICE BRANCH CENTRAL OFFICE, ensure your bank's portal accepts IFSC APBL0003001 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Andhra Pradesh State Cooperative Bank Limited SERVICE BRANCH CENTRAL OFFICE (IFSC APBL0003001)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC APBL0003001 in your mobile or internet banking app, and the money is credited to the SERVICE BRANCH CENTRAL OFFICE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Service Branch Central Office

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 APBL0003001:

• 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 SERVICE BRANCH CENTRAL OFFICE is still linked to IFSC APBL0003001.

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 APBL0003001

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 – SERVICE BRANCH CENTRAL OFFICE is still mapped to IFSC APBL0003001. 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 APBL0003001 and the beneficiary's account number to complete the transfer.

Account types you can open at the Service Branch Central Office branch

Once you have an account at The Andhra Pradesh State Cooperative Bank Limited – SERVICE BRANCH CENTRAL OFFICE, the IFSC APBL0003001 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 Service Branch Central Office 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 APBL0003001

Online banking and IFSC APBL0003001

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 SERVICE BRANCH CENTRAL OFFICE 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 APBL0003001 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.

Reaching the branch

The Service Branch Central Office branch sits at MARRIPALEM, VUDA LAYOUT,DOO BO. 58-14-57/2 NH 5 ,VISAKHAPATNAM 531009. If you are travelling from outside Visakhapatnam, search for the branch on a maps application using the bank name and locality, or call 9989115501 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 APBL0003001 and your account number.

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 – SERVICE BRANCH CENTRAL OFFICE:

• The IFSC is exactly APBL0003001 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 SERVICE BRANCH CENTRAL OFFICE 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.

Working hours

Branch counters at Service Branch Central Office 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 APBL0003001 continue to work without interruption.

Verifying IFSC APBL0003001 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 APBL0003001 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9989115501.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: APBL0003001 is the IFSC code of The Andhra Pradesh State Cooperative Bank Limited, SERVICE BRANCH CENTRAL OFFICE branch, in VISAKHAPATNAM, 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.