IFSC Code of HDFC Bank, Gujarat Mercantile Co-Op. Bank Ltd Branch, Gujarat

If you are searching for the IFSC code of HDFC Bank, GUJARAT MERCANTILE CO-OP. BANK LTD branch in AHMEDABAD, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is HDFC0CGMCBL. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the GUJARAT MERCANTILE CO-OP. BANK LTD branch, and detailed step-by-step guides for using the IFSC HDFC0CGMCBL across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For HDFC Bank's GUJARAT MERCANTILE CO-OP. BANK LTD branch, the IFSC HDFC0CGMCBL breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and CGMCBL identifies this particular branch.

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Gujarat Mercantile Co-Op. Bank Ltd branch — IFSC HDFC0CGMCBL — extends the bank's services to customers in and around Ahmedabad, Gujarat.

Branch details at a glance

About this branch

The branch is located at PANCHALI APPARTMENT, OPP CADILA LABORATORY, GHODASAR, AHMEDABAD-380050. It serves the Ahmedabad region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of HDFC Bank. The IFSC HDFC0CGMCBL is used to identify this branch on the RBI payments network.

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 HDFC Bank's GUJARAT MERCANTILE CO-OP. BANK LTD branch came to be assigned the code HDFC0CGMCBL.

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 HDFC0CGMCBL, money simply cannot be routed to the GUJARAT MERCANTILE CO-OP. BANK LTD branch electronically.

Account types you can open at the Gujarat Mercantile Co-Op. Bank Ltd branch

Once you have an account at HDFC Bank – GUJARAT MERCANTILE CO-OP. BANK LTD, the IFSC HDFC0CGMCBL 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 Gujarat Mercantile Co-Op. Bank Ltd branch can access most of HDFC Bank'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 HDFC0CGMCBL

How to transfer money using IFSC HDFC0CGMCBL

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 HDFC0CGMCBL across all three.

How to use IFSC HDFC0CGMCBL for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's GUJARAT MERCANTILE CO-OP. BANK LTD 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 HDFC0CGMCBL.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as GUJARAT MERCANTILE CO-OP. BANK LTD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC HDFC0CGMCBL

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 HDFC Bank – GUJARAT MERCANTILE CO-OP. BANK LTD, ensure your bank's portal accepts IFSC HDFC0CGMCBL while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to HDFC Bank – GUJARAT MERCANTILE CO-OP. BANK LTD, use IMPS. With IFSC HDFC0CGMCBL 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 HDFC0CGMCBL for HDFC Bank – GUJARAT MERCANTILE CO-OP. BANK LTD, 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 Gujarat Mercantile Co-Op. Bank Ltd 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.

UPI payments and IFSC HDFC0CGMCBL

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 HDFC Bank – GUJARAT MERCANTILE CO-OP. BANK LTD is still mapped to IFSC HDFC0CGMCBL. 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 HDFC0CGMCBL and the beneficiary's account number to complete the transfer.

Online banking and IFSC HDFC0CGMCBL

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the GUJARAT MERCANTILE CO-OP. BANK LTD 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 HDFC0CGMCBL 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.

MICR & cheque-truncation details

Cheques drawn on the Gujarat Mercantile Co-Op. Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0CGMCBL for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 HDFC Bank – GUJARAT MERCANTILE CO-OP. BANK LTD:

• The IFSC is exactly HDFC0CGMCBL with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills HDFC Bank as the bank name and GUJARAT MERCANTILE CO-OP. BANK LTD 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.

How to reach the Gujarat Mercantile Co-Op. Bank Ltd branch

The branch is located at PANCHALI APPARTMENT, OPP CADILA LABORATORY, GHODASAR, AHMEDABAD-380050, which puts it inside Ahmedabad, the broader Ahmadabad district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Gujarat Mercantile Co-Op. Bank Ltd branch” — the verified location pin for IFSC HDFC0CGMCBL should appear at the top of the results.
2. Confirm the branch is open by calling 79-25399754 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 HDFC0CGMCBL and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0CGMCBL for HDFC Bank – GUJARAT MERCANTILE CO-OP. BANK LTD, 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 Gujarat Mercantile Co-Op. Bank Ltd 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 HDFC0CGMCBL continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0CGMCBL belongs to HDFC Bank's GUJARAT MERCANTILE CO-OP. BANK LTD branch, located at PANCHALI APPARTMENT, OPP CADILA LABORATORY, GHODASAR, AHMEDABAD-380050 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.