Andhra Pradesh State Co-operative Bank
RAYAVARAM BRANCH
+918857235237
Understanding IFSC Code: The Digital DNA of Andhra Pradesh State Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the RAYAVARAM
branch of Andhra Pradesh State Co-operative Bank, the code APBL0004039 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 APBL0004039 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"APBL" represents Andhra Pradesh State Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for RAYAVARAM
Payment Systems Supported by APBL0004039
| 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—533842405—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 Andhra Pradesh State Co-operative Bank in RAMACHANDRAPURAM typically follows the RBI holiday calendar. Digital transfers via APBL0004039 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 APBL0004039 is the valid code for RAYAVARAM at RAMACHANDRAPURAM, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Andhra Pradesh State Co-operative Bank Branch List
- • RAMACHANDRAPURAM IFSC Codes
- • Swift Code for Andhra Pradesh State Co-operative Bank
- • Bank Holiday in ANDHRA PRADESH
Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
- • FD Interest Rates 2026
- • Currency Converter
Branch Context
- • RAYAVARAM Contact
- • Address of Andhra Pradesh State Co-operative Bank
- • MICR Code Finder
- • ANDHRA PRADESH Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
INDEXING TAGS: Andhra Pradesh State Co-operative Bank APBL0004039 code, find RAYAVARAM branch details, Andhra Pradesh State Co-operative Bank RAMACHANDRAPURAM contact number, ANDHRA PRADESH bank ifsc list, anand design banking suite, ifsc finder 2026, free bank branch locator, micr code for Andhra Pradesh State Co-operative Bank RAMACHANDRAPURAM, online neft rtgs imps guide india, how to find ifsc code of Andhra Pradesh State Co-operative Bank.