IFSC Code of Almora Urban Cooperative Bank Limited, Gic Road, Gangolihat Branch, Uttarakhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for Almora Urban Cooperative Bank Limited, GIC ROAD, GANGOLIHAT branch in GANGOLIHAT. The 11-digit IFSC AUCB0000032 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 GIC ROAD, GANGOLIHAT 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 – GIC ROAD, GANGOLIHAT is AUCB0000032. The first four letters AUCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000032 map to this branch in GANGOLIHAT, UTTARAKHAND.

Branch details at a glance

Bank profile

Almora Urban Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Gic Road, Gangolihat branch — IFSC AUCB0000032 — extends the bank's services to customers in and around Gangolihat, Uttarakhand.

Gic Road, Gangolihat branch overview

Located at GIC ROAD, GANGOLIHAT, the Gic Road, Gangolihat branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC AUCB0000032 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Almora Urban Cooperative Bank Limited's GIC ROAD, GANGOLIHAT branch came to be assigned the code AUCB0000032.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC AUCB0000032, money simply cannot be routed to the GIC ROAD, GANGOLIHAT branch electronically.

How to transfer money using IFSC AUCB0000032

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 AUCB0000032 across all three.

NEFT to Almora Urban Cooperative Bank Limited, GIC ROAD, GANGOLIHAT using IFSC AUCB0000032

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 AUCB0000032, and confirm that the system picks up Almora Urban Cooperative Bank Limited – GIC ROAD, GANGOLIHAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GIC ROAD, GANGOLIHAT

If you need to transfer ₹2 lakh or more in one go to an account at Almora Urban Cooperative Bank Limited's GIC ROAD, GANGOLIHAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AUCB0000032 while initiating the transfer and the credit will appear within minutes.

IMPS to Almora Urban Cooperative Bank Limited GIC ROAD, GANGOLIHAT (IFSC AUCB0000032)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AUCB0000032 in your mobile or internet banking app, and the money is credited to the GIC ROAD, GANGOLIHAT branch account within seconds.

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

All three modes accept the IFSC AUCB0000032 for Almora Urban Cooperative Bank Limited – GIC ROAD, GANGOLIHAT, 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 Gic Road, Gangolihat 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 Almora Urban Cooperative Bank Limited's GIC ROAD, GANGOLIHAT branch, the IFSC AUCB0000032 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.

Products and account variants supported

Every account opened at the Gic Road, Gangolihat branch is mapped to IFSC AUCB0000032 on the RBI payments network. The branch generally supports the full retail product catalogue of Almora Urban Cooperative Bank Limited, 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 AUCB0000032.

Products and services

Customers walking into the Gic Road, Gangolihat 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 AUCB0000032

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Almora Urban Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC AUCB0000032 and the account number together uniquely identify the Gic Road, Gangolihat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC AUCB0000032

Almora Urban Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GIC ROAD, GANGOLIHAT branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC AUCB0000032 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

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 – GIC ROAD, GANGOLIHAT:

• The IFSC is exactly AUCB0000032 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 GIC ROAD, GANGOLIHAT 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.

Reaching the branch

The Gic Road, Gangolihat branch sits at GIC ROAD, GANGOLIHAT. If you are travelling from outside Gangolihat, search for the branch on a maps application using the bank name and locality, or call 5964-242054 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 AUCB0000032 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AUCB0000032 for Almora Urban Cooperative Bank Limited – GIC ROAD, GANGOLIHAT, 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 Gic Road, Gangolihat 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 AUCB0000032 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: AUCB0000032 is the IFSC code of Almora Urban Cooperative Bank Limited, GIC ROAD, GANGOLIHAT branch, in GANGOLIHAT, UTTARAKHAND. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.