IFSC Code APGB0004013 - Andhra Pragathi Grameena Bank Chilakalamari

Complete Guide to Andhra Pragathi Grameena Bank IFSC Code APGB0004013 — Chilakalamari Branch, Chilakalamari, Andhra Pradesh

The IFSC code APGB0004013 identifies the Chilakalamari branch of Andhra Pragathi Grameena Bank located in Chilakalamari, Nellore district, Andhra Pradesh. Mandated by the Reserve Bank of India (RBI), this 11-character alphanumeric code is required for all electronic fund transfers — NEFT, RTGS, IMPS, and UPI — processed through the RBI's centralised payment infrastructure. Every bank branch in India holds a unique IFSC that routes digital money movements accurately to the correct destination account. Using the wrong IFSC can result in a failed transaction or, in rare cases, a credit to an unintended account, making verification essential before initiating any transfer.

Decoding IFSC Code APGB0004013 of Andhra Pragathi Grameena Bank

The 11-character IFSC APGB0004013 follows the RBI-prescribed structure: the first four characters identify the bank (APGB for Andhra Pragathi Grameena Bank), the fifth character is always zero (reserved for future use), and the final six characters (004013) uniquely identify the Chilakalamari branch in Chilakalamari, Andhra Pradesh. This structure lets RBI's payment gateway instantly determine the bank and branch for any transaction, enabling real-time routing without manual intervention.

NEFT Transfers Using IFSC APGB0004013

National Electronic Funds Transfer (NEFT) is RBI's batch-based fund transfer system. To send money to an account at Andhra Pragathi Grameena Bank, Chilakalamari branch (IFSC: APGB0004013), add the beneficiary with this IFSC on your bank's internet or mobile banking portal. NEFT processes transfers in 48 half-hourly batches Monday–Saturday (except 2nd and 4th Saturdays and public holidays). Minimum transfer: ₹1; no upper limit. Funds credited within 2 hours of batch settlement. NEFT is ideal for non-urgent large transfers to Chilakalamari accounts.

RTGS Transfers to Andhra Pragathi Grameena Bank Chilakalamari

Real Time Gross Settlement (RTGS) settles transactions individually and in real time — making it the fastest guaranteed fund transfer in India. Use IFSC APGB0004013 when initiating RTGS to Andhra Pragathi Grameena Bank, Chilakalamari, Chilakalamari. Minimum RTGS amount: ₹2 lakh; no upper cap. Available 24×7 on all days since December 2020. Funds are irrevocable once settled, making RTGS the preferred choice for high-value business payments, property transactions, and bulk corporate transfers to Andhra Pradesh accounts.

IMPS — Instant 24×7 Transfers to IFSC APGB0004013

Immediate Payment Service (IMPS) enables instant interbank transfers round the clock, including weekends and holidays. To transfer to Andhra Pragathi Grameena Bank, Chilakalamari (Chilakalamari), enter IFSC APGB0004013 and the recipient's account number on your UPI or banking app. IMPS supports transfers up to ₹5 lakh per transaction. Funds arrive in seconds, making it ideal for urgent personal payments. Unlike NEFT, IMPS does not batch transfers — each transaction settles individually in real time at any hour.

Adding Andhra Pragathi Grameena Bank Chilakalamari as a Beneficiary

To add the Chilakalamari branch of Andhra Pragathi Grameena Bank (IFSC: APGB0004013, Chilakalamari, Andhra Pradesh) as a beneficiary on any bank's internet banking: navigate to Fund Transfer → Manage Beneficiaries → Add New Beneficiary. Enter the account holder's name, account number, and IFSC APGB0004013. Most banks impose a 4–24 hour cooling period before the first transfer to a newly added beneficiary, as a fraud-prevention measure. Always verify the IFSC and account number directly with the recipient before initiating a transfer.