IFSC Code of Uttar Pradesh Cooperative Bank Limited, Akabarpur Ambedkar Nagar Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Uttar Pradesh Cooperative Bank Limited, AKABARPUR AMBEDKAR NAGAR branch in AMBEDKAR NAGAR. The 11-digit IFSC UPCB0000039 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 Uttar Pradesh Cooperative Bank Limited at the AKABARPUR AMBEDKAR NAGAR 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.

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 Uttar Pradesh Cooperative Bank Limited's AKABARPUR AMBEDKAR NAGAR branch, the IFSC UPCB0000039 breaks down as follows: UPCB identifies the bank, 0 is the reserved character, and 000039 identifies this particular branch.

About the bank

Uttar Pradesh Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Akabarpur Ambedkar Nagar branch in Ambedkar Nagar, Uttar Pradesh is part of this network and uses the IFSC code UPCB0000039 for all electronic settlement.

Branch details at a glance

Akabarpur Ambedkar Nagar branch overview

Located at 809, NASIRPUR BARWA, ZILA VIDAYALAYA, OPPOSITE NIRIKSHAK KARYALAYA, AKBARPUR AZAMGARH ROAD, AKBARPUR, AMBEDKARNAGAR, FAIZABAD, UTTAR PRADESH, 224122, the Akabarpur Ambedkar Nagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UPCB0000039 is required for all interbank electronic transfers routed through this branch.

Why every Uttar Pradesh 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 AKABARPUR AMBEDKAR NAGAR of Uttar Pradesh Cooperative Bank Limited — its own 11-character IFSC. The code UPCB0000039 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 UPCB0000039 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Akabarpur Ambedkar Nagar branch

Once you have an account at Uttar Pradesh Cooperative Bank Limited – AKABARPUR AMBEDKAR NAGAR, the IFSC UPCB0000039 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 Akabarpur Ambedkar Nagar branch can access most of Uttar Pradesh 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 UPCB0000039

How to transfer money using IFSC UPCB0000039

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 UPCB0000039 across all three.

NEFT to Uttar Pradesh Cooperative Bank Limited, AKABARPUR AMBEDKAR NAGAR using IFSC UPCB0000039

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 UPCB0000039, and confirm that the system picks up Uttar Pradesh Cooperative Bank Limited – AKABARPUR AMBEDKAR NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to AKABARPUR AMBEDKAR NAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Uttar Pradesh Cooperative Bank Limited's AKABARPUR AMBEDKAR NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UPCB0000039 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Uttar Pradesh Cooperative Bank Limited – AKABARPUR AMBEDKAR NAGAR, use IMPS. With IFSC UPCB0000039 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 UPCB0000039 for Uttar Pradesh Cooperative Bank Limited – AKABARPUR AMBEDKAR NAGAR, 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 Akabarpur Ambedkar Nagar 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 Uttar Pradesh Cooperative Bank Limited's AKABARPUR AMBEDKAR NAGAR branch, the IFSC UPCB0000039 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.

Online banking and IFSC UPCB0000039

Uttar Pradesh Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AKABARPUR AMBEDKAR NAGAR 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 UPCB0000039 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.

MICR & cheque-truncation details

Cheques drawn on the Akabarpur Ambedkar Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UPCB0000039 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 Uttar Pradesh Cooperative Bank Limited – AKABARPUR AMBEDKAR NAGAR:

• The IFSC is exactly UPCB0000039 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Uttar Pradesh Cooperative Bank Limited as the bank name and AKABARPUR AMBEDKAR NAGAR 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 Akabarpur Ambedkar Nagar branch sits at 809, NASIRPUR BARWA, ZILA VIDAYALAYA, OPPOSITE NIRIKSHAK KARYALAYA, AKBARPUR AZAMGARH ROAD, AKBARPUR, AMBEDKARNAGAR, FAIZABAD, UTTAR PRADESH, 224122. If you are travelling from outside Ambedkar Nagar, search for the branch on a maps application using the bank name and locality, or call 0 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 UPCB0000039 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UPCB0000039 for Uttar Pradesh Cooperative Bank Limited – AKABARPUR AMBEDKAR NAGAR, 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 Akabarpur Ambedkar Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UPCB0000039, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UPCB0000039 is the IFSC code of Uttar Pradesh Cooperative Bank Limited, AKABARPUR AMBEDKAR NAGAR branch, in AMBEDKAR NAGAR, UTTAR 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.