IFSC Code for The Guntur Dist. Co Op. Central Bank Ltd. Mandadam — Guntur District Co-operative Central Bank

Q: What is IFSC code APBL0007036 and which branch does it identify?

IFSC code APBL0007036 is the 11-character alphanumeric code assigned by the Reserve Bank of India to the The Guntur Dist. Co Op. Central Bank Ltd. Mandadam branch of Guntur District Co-operative Central Bank in Guntur, Andhra Pradesh. 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 (007036) identify this specific branch. No other branch in India shares this exact 11-character combination. Use APBL0007036 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 APBL0007036 to link my Guntur District Co-operative Central Bank account to UPI?

To link your Guntur District Co-operative Central Bank The Guntur Dist. Co Op. Central Bank Ltd. Mandadam account to UPI, open any UPI app — PhonePe, Google Pay, Paytm, or BHIM — and select "Add bank account". Choose Guntur District Co-operative Central Bank 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 APBL0007036 in the background — you do not need to enter the code manually. Once linked, your UPI VPA (such as yourname@gunturdistrictcooperativecentralbank) 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 APBL0007036? Is RTGS faster?

NEFT transfers to The Guntur Dist. Co Op. Central Bank Ltd. Mandadam using IFSC APBL0007036 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 APBL0007036, which settles within seconds, 24×7, year-round.

Q: How long is the beneficiary cooling period when I add IFSC APBL0007036 to net banking?

When you add a new beneficiary using IFSC APBL0007036 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 Guntur District Co-operative Central Bank The Guntur Dist. Co Op. Central Bank Ltd. Mandadam 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 Guntur District Co-operative Central Bank's IFSC code changed due to a bank merger? Is APBL0007036 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 Guntur District Co-operative Central Bank was involved in a merger, branches of the absorbed bank received new IFSC codes under the surviving bank's code prefix. IFSC APBL0007036 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 APBL0007036 have to be zero (0) and not the letter O?

The 5th character of every IFSC code — including APBL0007036 — 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 The Guntur Dist. Co Op. Central Bank Ltd. Mandadam branch of Guntur District Co-operative Central Bank in Guntur, Andhra Pradesh is APBL0007036. Use this for NEFT, RTGS, IMPS transfers and UPI account linking.

Updated Jun 2026 Guntur District Co-operative Central Bank Guntur Verified

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IFSC Code

APBL0007036

Code Breakdown

APBL Bank

0 Reserved

007036 Branch

MICR Code View MICR Code

BSR Code BSR Code Lookup

Bank Guntur District Co-operative Central Bank

Branch The Guntur Dist. Co Op. Central Bank Ltd. Mandadam

City Guntur

State Andhra Pradesh

Address 4-94/3, Masid Centre, Manadam, Thullur, Ap522237 , Guntur , Andhra Pradesh

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 APBL0007036 and which branch does it identify?

How do I use IFSC APBL0007036 to link my Guntur District Co-operative Central Bank account to UPI?

What is the NEFT settlement time using IFSC APBL0007036? Is RTGS faster?

How long is the beneficiary cooling period when I add IFSC APBL0007036 to net banking?

Has Guntur District Co-operative Central Bank's IFSC code changed due to a bank merger? Is APBL0007036 still active?

Why does the 5th character of IFSC APBL0007036 have to be zero (0) and not the letter O?

IFSC Code for The Guntur Dist. Co Op. Central Bank Ltd. Mandadam — Guntur District Co-operative Central Bank

The Guntur Dist. Co Op. Central Bank Ltd. Mandadam

About IFSC Code APBL0007036 — The Guntur Dist. Co Op. Central Bank Ltd. Mandadam, Guntur District Co-operative Central Bank

How to Read IFSC Code APBL0007036

NEFT, RTGS, IMPS, and UPI — When to Use IFSC APBL0007036

IFSC, MICR, and BSR Codes for The Guntur Dist. Co Op. Central Bank Ltd. Mandadam, Guntur District Co-operative Central Bank

Step-by-Step: How IFSC APBL0007036 Routes a NEFT Transfer

Common Mistakes to Avoid with IFSC APBL0007036

Frequently Asked Questions