IFSC Code of Ahmedabad Mercantile Cooperative Bank, Girdharnagar Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Ahmedabad Mercantile Cooperative Bank, GIRDHARNAGAR branch in AHMEDABAD. The 11-digit IFSC AMCB0660005 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Ahmedabad Mercantile Cooperative Bank at the GIRDHARNAGAR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Ahmedabad Mercantile Cooperative Bank – GIRDHARNAGAR is AMCB0660005. The first four letters AMCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 660005 map to this branch in AHMEDABAD, GUJARAT.

About the bank

Ahmedabad Mercantile Cooperative Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Girdharnagar branch in Ahmedabad, Gujarat is part of this network and uses the IFSC code AMCB0660005 for all electronic settlement.

Branch details at a glance

About the Girdharnagar branch

The Girdharnagar branch of Ahmedabad Mercantile Cooperative Bank is situated at NILUMBAUG FLAT, OPP.SHAHIBAUG GUEST HOUSE,GIRDHARNAGAR, SAHIBAUG ROAD, AHMEDABAD-380 004.. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code AMCB0660005 is used.

Why every Ahmedabad Mercantile Cooperative Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including GIRDHARNAGAR of Ahmedabad Mercantile Cooperative Bank — its own 11-character IFSC. The code AMCB0660005 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC AMCB0660005 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Girdharnagar branch is mapped to IFSC AMCB0660005 on the RBI payments network. The branch generally supports the full retail product catalogue of Ahmedabad Mercantile Cooperative Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains AMCB0660005.

Banking services available

The Girdharnagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 38004-7922864640.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC AMCB0660005

How to transfer money using IFSC AMCB0660005

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC AMCB0660005 across all three.

How to use IFSC AMCB0660005 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Ahmedabad Mercantile Cooperative Bank's GIRDHARNAGAR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC AMCB0660005.
4. Confirm the bank name auto-populates as Ahmedabad Mercantile Cooperative Bank and the branch as GIRDHARNAGAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to GIRDHARNAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Ahmedabad Mercantile Cooperative Bank's GIRDHARNAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AMCB0660005 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Ahmedabad Mercantile Cooperative Bank – GIRDHARNAGAR, use IMPS. With IFSC AMCB0660005 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC AMCB0660005 for Ahmedabad Mercantile Cooperative Bank – GIRDHARNAGAR, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Girdharnagar branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Ahmedabad Mercantile Cooperative Bank's GIRDHARNAGAR branch, the IFSC AMCB0660005 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Digital banking channels

Most day-to-day work that customers used to do at the Girdharnagar branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC AMCB0660005 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Ahmedabad Mercantile Cooperative Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC AMCB0660005 and the account number together uniquely identify the Girdharnagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC AMCB0660005

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Ahmedabad Mercantile Cooperative Bank – GIRDHARNAGAR, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: AMCB0660005.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Girdharnagar branch sits at NILUMBAUG FLAT, OPP.SHAHIBAUG GUEST HOUSE,GIRDHARNAGAR, SAHIBAUG ROAD, AHMEDABAD-380 004.. If you are travelling from outside Ahmedabad, search for the branch on a maps application using the bank name and locality, or call 38004-7922864640 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC AMCB0660005 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AMCB0660005 for Ahmedabad Mercantile Cooperative Bank – GIRDHARNAGAR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Girdharnagar are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to AMCB0660005 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AMCB0660005 belongs to Ahmedabad Mercantile Cooperative Bank's GIRDHARNAGAR branch, located at NILUMBAUG FLAT, OPP.SHAHIBAUG GUEST HOUSE,GIRDHARNAGAR, SAHIBAUG ROAD,… in AHMEDABAD, GUJARAT. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.