IFSC Code of Almora Urban Cooperative Bank Limited, Gularbhoj Road, Gadarpur Branch, Uttarakhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for Almora Urban Cooperative Bank Limited, GULARBHOJ ROAD, GADARPUR branch in GADARPUR. The 11-digit IFSC AUCB0000048 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 Almora Urban Cooperative Bank Limited at the GULARBHOJ ROAD, GADARPUR 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 Almora Urban Cooperative Bank Limited – GULARBHOJ ROAD, GADARPUR is AUCB0000048. The first four letters AUCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000048 map to this branch in GADARPUR, UTTARAKHAND.

About Almora Urban Cooperative Bank Limited

Almora Urban Cooperative Bank Limited operates a wide network of branches across India, including the Gularbhoj Road, Gadarpur branch in Gadarpur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, AUCB0000048.

About this branch

The branch is located at GULARBHOJ ROAD, GADARPUR. It serves the Gadarpur region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Almora Urban Cooperative Bank Limited. The IFSC AUCB0000048 is used to identify this branch on the RBI payments network.

Branch details at a glance

Why every Almora Urban Cooperative Bank Limited 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 GULARBHOJ ROAD, GADARPUR of Almora Urban Cooperative Bank Limited — its own 11-character IFSC. The code AUCB0000048 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 AUCB0000048 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Gularbhoj Road, Gadarpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AUCB0000048 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC AUCB0000048

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 AUCB0000048 across all three.

NEFT to Almora Urban Cooperative Bank Limited, GULARBHOJ ROAD, GADARPUR using IFSC AUCB0000048

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC AUCB0000048, and confirm that the system picks up Almora Urban Cooperative Bank Limited – GULARBHOJ ROAD, GADARPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC AUCB0000048

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Almora Urban Cooperative Bank Limited – GULARBHOJ ROAD, GADARPUR, ensure your bank's portal accepts IFSC AUCB0000048 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Almora Urban Cooperative Bank Limited GULARBHOJ ROAD, GADARPUR (IFSC AUCB0000048)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AUCB0000048 in your mobile or internet banking app, and the money is credited to the GULARBHOJ ROAD, GADARPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Gularbhoj Road, Gadarpur

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC AUCB0000048:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at GULARBHOJ ROAD, GADARPUR is still linked to IFSC AUCB0000048.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC AUCB0000048

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Almora Urban Cooperative Bank Limited – GULARBHOJ ROAD, GADARPUR is still mapped to IFSC AUCB0000048. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC AUCB0000048 and the beneficiary's account number to complete the transfer.

Account types you can open at the Gularbhoj Road, Gadarpur branch

Once you have an account at Almora Urban Cooperative Bank Limited – GULARBHOJ ROAD, GADARPUR, the IFSC AUCB0000048 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Gularbhoj Road, Gadarpur branch can access most of Almora Urban Cooperative Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC AUCB0000048

Digital banking channels

Most day-to-day work that customers used to do at the Gularbhoj Road, Gadarpur 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 AUCB0000048 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.

Reaching the branch

The Gularbhoj Road, Gadarpur branch sits at GULARBHOJ ROAD, GADARPUR. If you are travelling from outside Gadarpur, search for the branch on a maps application using the bank name and locality, or call 5949-231010 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 AUCB0000048 and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Almora Urban Cooperative Bank Limited – GULARBHOJ ROAD, GADARPUR:

• The IFSC is exactly AUCB0000048 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Almora Urban Cooperative Bank Limited as the bank name and GULARBHOJ ROAD, GADARPUR as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Working hours

Branch counters at Gularbhoj Road, Gadarpur 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 AUCB0000048 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AUCB0000048 for Almora Urban Cooperative Bank Limited – GULARBHOJ ROAD, GADARPUR, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUCB0000048 belongs to Almora Urban Cooperative Bank Limited's GULARBHOJ ROAD, GADARPUR branch, located at GULARBHOJ ROAD, GADARPUR in GADARPUR, UTTARAKHAND. 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.