IFSC Code of Almora Urban Cooperative Bank Limited, Near Gic, Garur Branch, Uttarakhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for Almora Urban Cooperative Bank Limited, NEAR GIC, GARUR branch in GARUR. The 11-digit IFSC AUCB0000039 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 NEAR GIC, GARUR 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, AUCB0000039 is the IFSC of Almora Urban Cooperative Bank Limited's NEAR GIC, GARUR branch. The format is fixed: AUCB = bank code, 0 = reserved, 000039 = branch identifier.

Branch details at a glance

About Almora Urban Cooperative Bank Limited

Almora Urban Cooperative Bank Limited operates a wide network of branches across India, including the Near Gic, Garur branch in Garur. 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, AUCB0000039.

About the Near Gic, Garur branch

The Near Gic, Garur branch of Almora Urban Cooperative Bank Limited is situated at NEAR GIC, GARUR. 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 AUCB0000039 is used.

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 NEAR GIC, GARUR of Almora Urban Cooperative Bank Limited — its own 11-character IFSC. The code AUCB0000039 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 AUCB0000039 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC AUCB0000039

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 AUCB0000039 across all three.

NEFT to Almora Urban Cooperative Bank Limited, NEAR GIC, GARUR using IFSC AUCB0000039

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 AUCB0000039, and confirm that the system picks up Almora Urban Cooperative Bank Limited – NEAR GIC, GARUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC AUCB0000039

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 – NEAR GIC, GARUR, ensure your bank's portal accepts IFSC AUCB0000039 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Almora Urban Cooperative Bank Limited – NEAR GIC, GARUR, use IMPS. With IFSC AUCB0000039 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Near Gic, Garur

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 AUCB0000039:

• 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 NEAR GIC, GARUR is still linked to IFSC AUCB0000039.

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 AUCB0000039

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 – NEAR GIC, GARUR is still mapped to IFSC AUCB0000039. 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 AUCB0000039 and the beneficiary's account number to complete the transfer.

Account types you can open at the Near Gic, Garur branch

Once you have an account at Almora Urban Cooperative Bank Limited – NEAR GIC, GARUR, the IFSC AUCB0000039 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.

Banking services available

The Near Gic, Garur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 5963-250156.

• 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 AUCB0000039

MICR & cheque-truncation details

Cheques drawn on the Near Gic, Garur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AUCB0000039 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Near Gic, Garur 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 AUCB0000039 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.

Common mistakes to avoid when using IFSC AUCB0000039

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 Almora Urban Cooperative Bank Limited – NEAR GIC, GARUR, 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: AUCB0000039.
• 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.

How to reach the Near Gic, Garur branch

The branch is located at NEAR GIC, GARUR, which puts it inside Garur, the broader Bageshwar district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “Almora Urban Cooperative Bank Limited Near Gic, Garur branch” — the verified location pin for IFSC AUCB0000039 should appear at the top of the results.
2. Confirm the branch is open by calling 5963-250156 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC AUCB0000039 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AUCB0000039 for Almora Urban Cooperative Bank Limited – NEAR GIC, GARUR, 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 Near Gic, Garur 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 AUCB0000039 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUCB0000039 belongs to Almora Urban Cooperative Bank Limited's NEAR GIC, GARUR branch, located at NEAR GIC, GARUR in GARUR, 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.