ABHYUDAYA COOPERATIVE BANK LIMITED

IFSC Code ABHY0065103

The IFSC code ABHY0065103 belongs to ABHYUDAYA COOPERATIVE BANK LIMITED, LAXMI ROAD branch located in PUNE, MAHARASHTRA. This 11-character code is issued by the Reserve Bank of India (RBI) and is essential for electronic transactions such as NEFT, RTGS, IMPS, and UPI. The IFSC ensures that money transfers between banks are accurate and directed to the correct branch. Customers of banks like India Post Payments Bank (IPPB), Airtel Payments Bank, Jio Payments Bank, and Gramin Banks use these codes daily for safe digital banking.

Branch Information for ABHYUDAYA COOPERATIVE BANK LIMITED – LAXMI ROAD

Bank Name: ABHYUDAYA COOPERATIVE BANK LIMITED
Branch: LAXMI ROAD
District: PUNE
State: MAHARASHTRA
IFSC Code: ABHY0065103

Understanding the Structure of IFSC Code ABHY0065103

The IFSC code format consists of 11 characters where the first four letters represent the bank, the fifth character is always ‘0’, and the last six digits identify the branch. For example, in ABHY0065103 — “Bank Code” identifies ABHYUDAYA COOPERATIVE BANK LIMITED and “Branch Code” identifies the LAXMI ROAD branch in PUNE. This structure ensures a standardized way for banks like IPPB, Airtel Payments Bank, Jio Payments Bank, and Gramin Banks to manage their electronic transactions.

How to Use ABHY0065103 for Fund Transfers

When transferring money online, you must use the correct IFSC code to ensure that funds reach the intended recipient without delay. Here’s how different transfer methods rely on IFSC:

• NEFT (National Electronic Funds Transfer): Use ABHY0065103 to make transfers in half-hourly batches throughout the working day.
• RTGS (Real-Time Gross Settlement): For large-value transactions, RTGS uses ABHY0065103 for instant fund settlement.
• IMPS (Immediate Payment Service): This 24×7 service processes payments instantly using the same IFSC.
• UPI (Unified Payments Interface): Although UPI uses VPAs, it relies on underlying IFSCs for branch-level validation.

About ABHYUDAYA COOPERATIVE BANK LIMITED

ABHYUDAYA COOPERATIVE BANK LIMITED is a trusted institution serving millions of customers across India. The LAXMI ROAD branch in PUNE, MAHARASHTRA offers comprehensive banking facilities including savings and current accounts, digital payment options, loans, and government schemes. This branch contributes to financial inclusion by supporting both rural and urban customers and is fully integrated with RBI’s NEFT, RTGS, and IMPS networks.

MICR, SWIFT, and CIF Details

MICR (Magnetic Ink Character Recognition) code MICR Code helps identify this branch during cheque clearing. SWIFT codes are used for cross-border transactions, while CIF numbers uniquely identify customer profiles within the bank’s database. Together, these identifiers make banking secure and systematic.

Banking Services at LAXMI ROAD, PUNE

The ABHYUDAYA COOPERATIVE BANK LIMITED LAXMI ROAD branch provides a full range of financial services including:

• Account opening (Savings, Current, Fixed Deposit)
• Loan and credit services
• ATM and debit card facilities
• Online and mobile banking
• Cheque and draft issuance
• UPI and IMPS support
• Government and pension scheme assistance

This branch actively supports initiatives like Digital India and Jan Dhan Yojana to promote cashless banking and financial inclusion.

Banking and Digital Payments in PUNE, MAHARASHTRA

Banking infrastructure in PUNE, MAHARASHTRA has evolved rapidly with the rise of digital payments. Customers now enjoy instant fund transfers through UPI, IMPS, and mobile wallets. Banks like ABHYUDAYA COOPERATIVE BANK LIMITED and regional institutions such as Gramin Banks have made digital banking accessible to every household. This transformation has significantly boosted financial literacy, small business growth, and economic activity in the area.

Security and Verification Tips

To ensure safe banking while using ABHY0065103, follow these tips:

• Always verify the IFSC code on the official RBI site or PMetroMart IFSC Finder.
• Do not share your OTP, PIN, or banking password with anyone.
• Keep your mobile and banking apps updated for security patches.
• Use verified payment apps and avoid public Wi-Fi during transactions.

RBI Role and Compliance

The Reserve Bank of India manages and regulates all IFSC codes under its payment settlement system. It ensures each branch operates securely within the national electronic funds framework. After any bank merger or restructuring, the RBI updates the IFSC code records, ensuring transparency and customer safety. Always check the updated IFSC if your bank has merged or rebranded recently.

How to Verify IFSC Online

To verify ABHY0065103 or any other branch code, visit the official PMetroMart IFSC Finder. Simply enter your bank name, state, or city, and you’ll instantly get verified IFSC, MICR, and address details from reliable RBI sources.

Other Branches and Related Codes

If you’re looking for other branches of ABHYUDAYA COOPERATIVE BANK LIMITED in PUNE or across MAHARASHTRA, explore related IFSC listings on PMetroMart. You can also browse IFSC codes of popular banks like IPPB, Airtel Payments Bank, Jio Payments Bank, and Gramin Banks through our search tool.

Summary

The IFSC code ABHY0065103 uniquely identifies ABHYUDAYA COOPERATIVE BANK LIMITED, LAXMI ROAD in PUNE, MAHARASHTRA. It enables quick, secure, and error-free fund transfers across India’s banking network. With digital systems like NEFT, RTGS, IMPS, and UPI, the Indian banking ecosystem continues to grow more efficient and transparent. Always verify your IFSC code on PMetroMart before initiating online payments.

🔎 Use our IFSC Finder to search verified IFSC, MICR, and SWIFT codes for IPPB, Airtel Payments Bank, Jio Payments Bank, and Gramin Banks across India.