IFSC Code for District Co Operative Central Bank Vizianagaram — District Co-operative Central Bank Vizianagaram

Q: What is IFSC code APBL0002001 and which branch does it identify?

IFSC code APBL0002001 is the 11-character alphanumeric code assigned by the Reserve Bank of India to the District Co Operative Central Bank Vizianagaram branch of District Co-operative Central Bank Vizianagaram in Mumbai, Maharashtra. The first four characters (APBL) identify the bank across the entire RBI NEFT network, the fifth character is always zero (0), and the last six characters (002001) identify this specific branch. No other branch in India shares this exact 11-character combination. Use APBL0002001 for NEFT, RTGS, IMPS transfers and to link this account to UPI apps like PhonePe, Google Pay, and BHIM.

Q: How do I use IFSC APBL0002001 to link my District Co-operative Central Bank Vizianagaram account to UPI?

To link your District Co-operative Central Bank Vizianagaram District Co Operative Central Bank Vizianagaram account to UPI, open any UPI app — PhonePe, Google Pay, Paytm, or BHIM — and select "Add bank account". Choose District Co-operative Central Bank Vizianagaram from the bank list. The app will auto-detect your registered mobile number and retrieve your account. During verification, the app validates your account against IFSC APBL0002001 in the background — you do not need to enter the code manually. Once linked, your UPI VPA (such as yourname@districtcooperativecentralbankvizianagaram) is used for daily payments. The IFSC is only needed during this initial account registration step, not for individual UPI transactions.

Q: What is the NEFT settlement time using IFSC APBL0002001? Is RTGS faster?

NEFT transfers to District Co Operative Central Bank Vizianagaram using IFSC APBL0002001 settle in half-hourly batches — available 24 hours a day, 7 days a week including public holidays. A transfer sent at 2:10 PM is batched at 2:30 PM and credited shortly after. There is no minimum or maximum amount for NEFT. RTGS is faster but has a ₹2 lakh minimum. RTGS settles in real time during RBI operating hours (7:00 AM to 6:00 PM on working days). For transfers below ₹2 lakh that need to arrive instantly — including on weekends and bank holidays — use IMPS with IFSC APBL0002001, which settles within seconds, 24×7, year-round.

Q: How long is the beneficiary cooling period when I add IFSC APBL0002001 to net banking?

When you add a new beneficiary using IFSC APBL0002001 in net banking or mobile banking, most banks enforce a cooling period of 30 minutes to 24 hours before the first transfer is permitted. During this window, the bank sends a confirmation OTP or push notification and blocks outgoing transfers to the new beneficiary. This is a fraud-prevention measure. After the cooling period, per-transaction and per-day limits apply based on your bank's policy and your account type. If you need to transfer money urgently to a District Co-operative Central Bank Vizianagaram District Co Operative Central Bank Vizianagaram account, add the beneficiary at least one business day in advance. UPI payments bypass beneficiary cooling periods entirely — they can be initiated to a new UPI ID without any wait.

Q: Has District Co-operative Central Bank Vizianagaram's IFSC code changed due to a bank merger? Is APBL0002001 still active?

Bank mergers in India can deactivate IFSC codes. When the RBI merges two banks, it typically issues new IFSC codes for the surviving entity's branches and deactivates old codes from the absorbed bank — sometimes immediately, sometimes on a scheduled date. If District Co-operative Central Bank Vizianagaram was involved in a merger, branches of the absorbed bank received new IFSC codes under the surviving bank's code prefix. IFSC APBL0002001 is listed as active in our database as of Jun 2026. However, before initiating a large RTGS or NEFT transfer, we recommend verifying on the RBI's official IFSC lookup to confirm the code remains valid.

Q: Why does the 5th character of IFSC APBL0002001 have to be zero (0) and not the letter O?

The 5th character of every IFSC code — including APBL0002001 — is always the digit zero (0), not the letter O. The RBI mandated this design: position 5 is permanently reserved for future use and is always set to the numeral 0. In many printed fonts and small screens, the digit 0 and the letter O look nearly identical, but they are entirely different ASCII characters. If you type the letter O instead of 0, the payment system will reject the transfer immediately with an "invalid IFSC" error — no transfer will be processed and no money will leave your account. If a transfer to this branch fails IFSC validation, check position 5 of the code first: it must be the digit 0.

The IFSC code for District Co Operative Central Bank Vizianagaram branch of District Co-operative Central Bank Vizianagaram in Mumbai, Maharashtra is APBL0002001. Use this for NEFT, RTGS, IMPS transfers and UPI account linking.

Updated Jun 2026 District Co-operative Central Bank Vizianagaram Mumbai Verified

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IFSC Code

APBL0002001

Code Breakdown

APBL Bank

0 Reserved

002001 Branch

MICR Code View MICR Code

BSR Code BSR Code Lookup

Bank District Co-operative Central Bank Vizianagaram

Branch District Co Operative Central Bank Vizianagaram

City Mumbai

State Maharashtra

Address The District Co-Operative Central Bank Ltd., Vizianagaram Branch A.G.Road, Vizianagaram , Mumbai , Maharashtra

Data sourced from RBI NEFT/RTGS master records and NPCI. Last reviewed Jun 2026 by BankZop Editorial Team.

Frequently Asked Questions

What is IFSC code APBL0002001 and which branch does it identify?

How do I use IFSC APBL0002001 to link my District Co-operative Central Bank Vizianagaram account to UPI?

What is the NEFT settlement time using IFSC APBL0002001? Is RTGS faster?

How long is the beneficiary cooling period when I add IFSC APBL0002001 to net banking?

Has District Co-operative Central Bank Vizianagaram's IFSC code changed due to a bank merger? Is APBL0002001 still active?

Why does the 5th character of IFSC APBL0002001 have to be zero (0) and not the letter O?

IFSC Code for District Co Operative Central Bank Vizianagaram — District Co-operative Central Bank Vizianagaram

District Co Operative Central Bank Vizianagaram

About IFSC Code APBL0002001 — District Co Operative Central Bank Vizianagaram, District Co-operative Central Bank Vizianagaram

How to Read IFSC Code APBL0002001

NEFT, RTGS, IMPS, and UPI — When to Use IFSC APBL0002001

IFSC, MICR, and BSR Codes for District Co Operative Central Bank Vizianagaram, District Co-operative Central Bank Vizianagaram

Step-by-Step: How IFSC APBL0002001 Routes a NEFT Transfer

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Frequently Asked Questions