Abhyudaya Co-operative Bank
MALAD EAST BRANCH
+912228800272
Understanding IFSC Code: The Digital DNA of Abhyudaya Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the MALAD EAST
branch of Abhyudaya Co-operative Bank, the code ABHY0065021 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the ABHY0065021 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"ABHY" represents Abhyudaya Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for MALAD EAST
Payment Systems Supported by ABHY0065021
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—400065021—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Abhyudaya Co-operative Bank in MUMBAI typically follows the RBI holiday calendar. Digital transfers via ABHY0065021 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While ABHY0065021 is the valid code for MALAD EAST at MUMBAI, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Financial Tools
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Branch Context
- • MALAD EAST Contact
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- • MICR Code Finder
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Platform Links
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