If you are searching for the IFSC code of The AP Mahesh Cooperative Urban Bank Limited, branch in , ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is APMC0000020. 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 branch, and detailed step-by-step guides for using the IFSC APMC0000020 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.
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 AP Mahesh Cooperative Urban Bank Limited's branch, the IFSC APMC0000020 breaks down as follows: APMC identifies the bank, 0 is the reserved character, and 000020 identifies this particular branch.
Branch details at a glance
| Bank Name | The AP Mahesh Cooperative Urban Bank Limited |
|---|---|
| IFSC Code | APMC0000020 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1-8-518/19/A CHIKKAD PALLY HYD -500020 |
| State | Andhra Pradesh |
| Phone | 23437138 |
About the bank
The AP Mahesh Cooperative Urban Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its branch in , Andhra Pradesh is part of this network and uses the IFSC code APMC0000020 for all electronic settlement.
branch overview
Located at 1-8-518/19/A CHIKKAD PALLY HYD -500020, the branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC APMC0000020 is required for all interbank electronic transfers routed through this branch.
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 AP Mahesh Cooperative Urban Bank Limited's branch came to be assigned the code APMC0000020.
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 APMC0000020, money simply cannot be routed to the branch electronically.
How to transfer money using IFSC APMC0000020
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 APMC0000020 across all three.
NEFT to The AP Mahesh Cooperative Urban Bank Limited, using IFSC APMC0000020
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 APMC0000020, and confirm that the system picks up The AP Mahesh Cooperative Urban Bank Limited – . Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC APMC0000020
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 AP Mahesh Cooperative Urban Bank Limited – , ensure your bank's portal accepts IFSC APMC0000020 while registering the beneficiary. RTGS is also available 24x7.
IMPS to The AP Mahesh Cooperative Urban Bank Limited (IFSC APMC0000020)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC APMC0000020 in your mobile or internet banking app, and the money is credited to the branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC APMC0000020 for The AP Mahesh Cooperative Urban Bank Limited – , 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – APMC0000020 | Yes – APMC0000020 | Yes – APMC0000020 |
For most retail customers crediting the 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 APMC0000020
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 AP Mahesh Cooperative Urban Bank Limited – is still mapped to IFSC APMC0000020. 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 APMC0000020 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the branch is mapped to IFSC APMC0000020 on the RBI payments network. The branch generally supports the full retail product catalogue of The AP Mahesh Cooperative Urban 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 APMC0000020.
Banking services available
The branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 23437138.
- 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 APMC0000020
MICR & cheque-truncation details
Cheques drawn on the branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC APMC0000020 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC APMC0000020
The AP Mahesh Cooperative Urban Bank Limited customers can register for net banking and the bank's official mobile app once their account at the 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 APMC0000020 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 AP Mahesh Cooperative Urban Bank Limited – :
- The IFSC is exactly APMC0000020 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills The AP Mahesh Cooperative Urban Bank Limited as the bank name and 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 branch
The branch is located at 1-8-518/19/A CHIKKAD PALLY HYD -500020, which puts it inside , the broader district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “The AP Mahesh Cooperative Urban Bank Limited branch” — the verified location pin for IFSC APMC0000020 should appear at the top of the results.
- Confirm the branch is open by calling 23437138 before stepping out, especially around public holidays.
- 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 APMC0000020 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC APMC0000020 for The AP Mahesh Cooperative Urban Bank Limited – , 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 branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC APMC0000020, however, work 24x7.
Branch address & contact
The AP Mahesh Cooperative Urban Bank LimitedBranch
1-8-518/19/A CHIKKAD PALLY HYD -500020
, Andhra Pradesh
Phone: 23437138
IFSC: APMC0000020
Frequently asked questions
Does The AP Mahesh Cooperative Urban Bank Limited branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 23437138 to confirm.
Is IFSC APMC0000020 valid for NEFT and RTGS?
Yes. IFSC APMC0000020 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the branch but serve different purposes.
Where is The AP Mahesh Cooperative Urban Bank Limited branch located?
The AP Mahesh Cooperative Urban Bank Limited's branch is located at 1-8-518/19/A CHIKKAD PALLY HYD -500020, , Andhra Pradesh.
Is IFSC APMC0000020 the same for all accounts at branch?
Yes. The IFSC APMC0000020 is shared by every account held at The AP Mahesh Cooperative Urban Bank Limited's branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using APMC0000020 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The AP Mahesh Cooperative Urban Bank Limited – reflect within 30 minutes.
Final notes
To recap: APMC0000020 is the IFSC code of The AP Mahesh Cooperative Urban Bank Limited, branch, in , 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.
