Andhra Bank IFSC Code: Your Complete 2025 Guide

Finding and using an IFSC code is an everyday necessity for digital banking in India, especially when transferring funds between banks. Even though Andhra Bank merged with Union Bank of India in 2020, its IFSC codes are still active and relevant in 2025 for lakhs of account holders and those transacting with Andhra Bank accounts. This guide gives you a clear, practical understanding of what the Andhra Bank IFSC code is, how to find it, why it matters, and how to use it confidently in 2025.

Whether you’re making a NEFT or RTGS transfer, checking account details for small businesses, or simply ensuring safe, smooth online payments, this guide answers every question with real-world examples and reliable explanations.

What is an Andhra Bank IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alpha-numeric code assigned to every bank branch by the Reserve Bank of India (RBI). For Andhra Bank, the code uniquely identifies each of its branches.

Even after its amalgamation with Union Bank of India, many people, businesses, and government recipients still have or deal with Andhra Bank accounts, so their legacy IFSC codes remain crucial for all online and electronic fund transfers in 2025.

Typical Andhra Bank IFSC Code format:
ANDB0XXXXXX

• The first four letters: ANDB (indicates Andhra Bank)
• The fifth character: 0 (zero, reserved by RBI)
• Last six characters: Numeric/Alpha-Numeric (identifies the specific branch)

Example:
ANDB0000367 (for SR Nagar, Hyderabad branch)

Why are Andhra Bank IFSC Codes Still Important in 2025?

You might wonder: If Andhra Bank merged with Union Bank, why do these codes matter? Here’s why:

• Legacy Accounts: Many rural and urban customers still operate Andhra Bank passbooks, cheques, and accounts.
• Ongoing Transactions: Salaries, subsidies, utility bills, vendor payments, and online marketplace settlements often reference Andhra Bank IFSCs.
• Data Consistency: Businesses and government departments maintain long-standing beneficiary lists with legacy IFSC codes.
• Transition Phase: RBI has confirmed that old Andhra Bank IFSC codes continue to work until further notice.

So, for both personal use and business needs, Andhra Bank IFSC codes are still a regular part of India’s digital payment ecosystem in 2025.

How to Find Your Andhra Bank IFSC Code

Whether you’re an account holder or need to pay someone with an Andhra Bank account, finding the right IFSC code is easy with these trusted sources:

1. Bank Passbook and Cheque Book

• The front page of your passbook or cheque book displays the IFSC code printed with the branch address.
• If you received new materials after the merger, check for updates: in most cases, old codes are still mentioned.

2. Andhra Bank Branch

• Visit or call the nearest former Andhra Bank (now typically run as a Union Bank) branch. Staff can provide the latest, RBI-validated IFSC code for any branch.

3. Union Bank of India Official Website

• Go to unionbankofindia.co.in > Locate Us > Branch Locator.
• Enter branch location or city name.
• The portal shows the IFSC code attached to old Andhra Bank branches as well.

4. RBI Official IFSC Directory

• RBI maintains an up-to-date searchable IFSC code directory:
  RBI IFSC List

5. Third-Party Apps and Online Marketplaces

• Payment apps like PhonePe, Google Pay, and Paytm list bank/branch IFSC codes when adding beneficiaries.
• For e-commerce sellers, portals like Amazon Seller Central or Flipkart require up-to-date IFSC codes when updating bank details, and guide you through the process.

6. Customer Care

• Andhra Bank’s (now Union Bank) customer helpline: 1800 22 2244
• Call to confirm any IFSC code, especially if you’re unsure during a fund transfer.

Usage of Andhra Bank IFSC Codes: Real-Life Scenarios

Here are practical examples of how and when you use an Andhra Bank IFSC code in 2025:

1. UPI and NEFT Transfers

Rahul wants to pay his rent to his landlord who maintains an Andhra Bank account in Vizag. While setting up a NEFT transfer, Rahul needs:

• Beneficiary Name
• Account Number
• Andhra Bank Branch IFSC Code

He finds it on the passbook as “ANDB0001377”. He enters this in his HDFC mobile app, and the funds go instantly to the right account.

2. Online Marketplace Settlements

Shalini, a freelance seller on an online handicraft platform, receives weekly payouts to her old Andhra Bank account. She needs to submit her IFSC code on the seller portal to ensure seamless disbursal.

3. Utility Bill Payments & NACH/Auto-Debit

A small business with Andhra Bank auto-debit mandates for salaries, taxes, and vendor payments continues to use the same branch IFSC code for direct debits.

Table: Typical Andhra Bank IFSC Codes for Popular Branches

Check official sources before transferring funds, since codes may get updated.

How Do IFSC Codes Work Behind the Scenes?

Once you enter the Andhra Bank IFSC code during a transfer, here’s what happens:

1. Bank servers validate the IFSC code to cross-check the branch and route the payment.
2. It ensures that your money is directed to the correct destination bank and branch.
3. If you use the wrong IFSC code, payments may fail or, in rare cases, land in the wrong account or bounce back.
4. Changing a beneficiary’s IFSC code (e.g., if the branch migrated) needs a fresh update in your bank’s payee records for smooth transactions.

Are Andhra Bank IFSC Codes Changing in 2025?

As of June 2025, old Andhra Bank IFSC codes continue to work for most transactions. However:

• RBI and Union Bank of India have issued periodic updates: In high-traffic branches, some codes were replaced with Union Bank codes in 2022-2023.
• For new accounts, only Union Bank of India IFSC codes are issued.

Pro Tip:
If your transaction with an Andhra Bank IFSC fails repeatedly, contact your branch or check if a new Union Bank IFSC is now assigned to your account.

What Happens if You Use the Wrong IFSC Code?

• If the IFSC code does not exist, the transfer fails, and money is returned.
• If the code belongs to a different branch (but the account number is valid), funds may be delayed or, in rare cases, mismatched. Always double-check.
• For large online purchases or business payments, validate details every time to reduce failed transactions or reconciliation hassles.

Difference: Andhra Bank IFSC vs. Other Bank IFSCs

Tips for Safe and Smooth Transactions

1. Always check the latest IFSC code before adding payees for NEFT/RTGS/IMPS.
2. For business or salary disbursals, periodically update the master beneficiary list.
3. When using payment apps, auto-fill helps—but cross-verify printed or official sources for accuracy.
4. RBI updates banks regarding code changes—watch for SMS or communication from Union Bank in 2025.

How To Update Andhra Bank IFSC To Union Bank IFSC (If Required)

If you receive communication from Union Bank stating that your old Andhra Bank IFSC will be disabled, follow these steps:

1. Contact your branch and collect the new Union Bank IFSC code.
2. Update your employer, anyone paying you, and your online service accounts (e.g., marketplaces, insurance, mutual funds).
3. Log in to all linked online banking or payment platforms and modify your bank details with the new IFSC.

Real-life Example:
A pensioner from Guntur received an SMS in 2024 to update his Andhra Bank IFSC. He visited the branch, collected the replacement code (now starting with UBIN), and updated this in his pension bank records. Payments continued without disruption.

Andhra Bank IFSC—Common Mistakes to Avoid

• Relying only on old, saved codes—always confirm before high-value or repeat transactions.
• Mixing up Andhra Bank and Union Bank IFSC codes.
• Not informing counterparties when your IFSC changes.

Table: Where Andhra Bank IFSC Codes Are Used

TLDR / Quick Recap

• Andhra Bank IFSC codes are still valid in 2025 for legacy accounts.
• IFSC is essential to identify the exact branch in electronic fund transfers.
• Find Andhra Bank IFSC codes on passbooks, cheque books, official websites, and RBI’s IFSC directory.
• Some codes are gradually being switched to Union Bank IFSCs; always double-check before major transactions.
• Always inform payers/payees if your IFSC code changes.

People Also Ask (FAQs)

1. Is Andhra Bank IFSC code still valid in 2025?
Yes. For most legacy branches and existing accounts, Andhra Bank IFSC codes continue to be accepted for transactions unless you have been instructed otherwise by the bank.

2. Where can I find my Andhra Bank IFSC code?
On your passbook, cheque book, or by searching the official Union Bank of India branch locator and RBI’s IFSC directory.

3. What should I do if my IFSC code has changed?
Contact your branch for the new code and ensure all payers (employers, marketplaces, service providers) update it in their records to avoid failed payments.

4. Can I make UPI payments using Andhra Bank IFSC code?
UPI payments use bank account linking, but some process flows or mandates may still require you to enter the IFSC code—make sure it is current.

5. What happens if I enter the wrong IFSC code?
Transactions typically fail, and the amount returns to your account. However, always double-check for high-value payments.

6. Are Andhra Bank IFSC and Union Bank IFSC different?
Yes, they have different prefixes (ANDB for Andhra Bank, UBIN for Union Bank). You can only use the assigned code relevant to the branch/account.

7. Do online marketplaces accept Andhra Bank IFSC in 2025?
Yes, as long as the account is active and the code is valid. However, update if you receive notification from Union Bank of India.

By keeping these real-world tips in mind and double-checking your IFSC codes, you’ll keep money transfers safe, smooth, and free from hiccups—whether you’re a student getting an allowance, a family running a business, or just keeping things moving in today’s digital India.