IFSC Code of HDFC Bank, The Gayatri Co Op Urban Bank Ltd Branch, Telangana

Below are the complete branch details for HDFC Bank, THE GAYATRI CO OP URBAN BANK LTD branch, located in DHARMARAM, TELANGANA. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0CTGB09. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case HDFC0CTGB09 for HDFC Bank – THE GAYATRI CO OP URBAN BANK LTD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, HDFC0CTGB09 is the IFSC of HDFC Bank's THE GAYATRI CO OP URBAN BANK LTD branch. The format is fixed: HDFC = bank code, 0 = reserved, CTGB09 = branch identifier.

About HDFC Bank

HDFC Bank operates a wide network of branches across India, including the The Gayatri Co Op Urban Bank Ltd branch in Dharmaram. 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, HDFC0CTGB09.

The Gayatri Co Op Urban Bank Ltd branch overview

Located at 2 72 NEAR SBH MAIN ROAD DHARMARAM KARIMNAGAR TS 505416, the The Gayatri Co Op Urban Bank Ltd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0CTGB09 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

Why every HDFC 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 THE GAYATRI CO OP URBAN BANK LTD of HDFC Bank — its own 11-character IFSC. The code HDFC0CTGB09 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 HDFC0CTGB09 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by HDFC Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC HDFC0CTGB09 and the account number together uniquely identify the The Gayatri Co Op Urban Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC HDFC0CTGB09

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 HDFC0CTGB09 across all three.

How to use IFSC HDFC0CTGB09 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's THE GAYATRI CO OP URBAN 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 HDFC0CTGB09.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as THE GAYATRI CO OP URBAN BANK LTD.
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 THE GAYATRI CO OP URBAN BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's THE GAYATRI CO OP URBAN BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0CTGB09 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to HDFC Bank – THE GAYATRI CO OP URBAN BANK LTD, use IMPS. With IFSC HDFC0CTGB09 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 The Gayatri Co Op Urban Bank Ltd

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 HDFC0CTGB09:

• 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 THE GAYATRI CO OP URBAN BANK LTD is still linked to IFSC HDFC0CTGB09.

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 HDFC0CTGB09

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 – THE GAYATRI CO OP URBAN BANK LTD is still mapped to IFSC HDFC0CTGB09. 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 HDFC0CTGB09 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the The Gayatri Co Op Urban Bank Ltd branch is mapped to IFSC HDFC0CTGB09 on the RBI payments network. The branch generally supports the full retail product catalogue of HDFC 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 HDFC0CTGB09.

Banking services available

The The Gayatri Co Op Urban Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8333903706.

• 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 HDFC0CTGB09

Online banking and IFSC HDFC0CTGB09

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the THE GAYATRI CO OP URBAN 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 HDFC0CTGB09 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.

Reaching the branch

The The Gayatri Co Op Urban Bank Ltd branch sits at 2 72 NEAR SBH MAIN ROAD DHARMARAM KARIMNAGAR TS 505416. If you are travelling from outside Dharmaram, search for the branch on a maps application using the bank name and locality, or call 91-8333903706 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 HDFC0CTGB09 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 HDFC Bank – THE GAYATRI CO OP URBAN BANK LTD:

• The IFSC is exactly HDFC0CTGB09 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 THE GAYATRI CO OP URBAN 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The The Gayatri Co Op Urban Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0CTGB09, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0CTGB09 for HDFC Bank – THE GAYATRI CO OP URBAN 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0CTGB09 belongs to HDFC Bank's THE GAYATRI CO OP URBAN BANK LTD branch, located at 2 72 NEAR SBH MAIN ROAD DHARMARAM KARIMNAGAR TS 505416 in DHARMARAM, TELANGANA. 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.