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

Below are the complete branch details for HDFC Bank, GANDHINAGAR NAG. CO-OP. BANK LTD branch, located in GANDHINAGAR, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0CGNCBL. 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 HDFC0CGNCBL for HDFC Bank – GANDHINAGAR NAG. CO-OP. BANK LTD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 GANDHINAGAR NAG. CO-OP. BANK LTD branch, the IFSC HDFC0CGNCBL breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and CGNCBL identifies this particular branch.

About the bank

HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Gandhinagar Nag. Co-Op. Bank Ltd branch in Gandhinagar, Gujarat is part of this network and uses the IFSC code HDFC0CGNCBL for all electronic settlement.

Branch details at a glance

Gandhinagar Nag. Co-Op. Bank Ltd branch overview

Located at PLOT NO-391, GH 4.5 , SECTOR 16 ,GANDHINAGAR - 382 016, the Gandhinagar Nag. Co-Op. 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 HDFC0CGNCBL is required for all interbank electronic transfers routed through this branch.

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 GANDHINAGAR NAG. CO-OP. BANK LTD of HDFC Bank — its own 11-character IFSC. The code HDFC0CGNCBL 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 HDFC0CGNCBL the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Gandhinagar Nag. Co-Op. Bank Ltd branch is mapped to IFSC HDFC0CGNCBL 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 HDFC0CGNCBL.

Banking services available

The Gandhinagar Nag. Co-Op. Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 79-23247215.

• 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 HDFC0CGNCBL

How to transfer money using IFSC HDFC0CGNCBL

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 HDFC0CGNCBL across all three.

How to use IFSC HDFC0CGNCBL for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's GANDHINAGAR NAG. 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 HDFC0CGNCBL.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as GANDHINAGAR NAG. 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.

Real-Time Gross Settlement to GANDHINAGAR NAG. CO-OP. BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's GANDHINAGAR NAG. CO-OP. BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0CGNCBL while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank GANDHINAGAR NAG. CO-OP. BANK LTD (IFSC HDFC0CGNCBL)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0CGNCBL in your mobile or internet banking app, and the money is credited to the GANDHINAGAR NAG. CO-OP. BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Gandhinagar Nag. Co-Op. 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 HDFC0CGNCBL:

• 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 GANDHINAGAR NAG. CO-OP. BANK LTD is still linked to IFSC HDFC0CGNCBL.

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.

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 HDFC Bank's GANDHINAGAR NAG. CO-OP. BANK LTD branch, the IFSC HDFC0CGNCBL 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.

Digital banking channels

Most day-to-day work that customers used to do at the Gandhinagar Nag. Co-Op. Bank Ltd 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 HDFC0CGNCBL 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.

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 HDFC0CGNCBL and the account number together uniquely identify the Gandhinagar Nag. Co-Op. Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC HDFC0CGNCBL

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 HDFC Bank – GANDHINAGAR NAG. CO-OP. BANK LTD, 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: HDFC0CGNCBL.
• 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.

Reaching the branch

The Gandhinagar Nag. Co-Op. Bank Ltd branch sits at PLOT NO-391, GH 4.5 , SECTOR 16 ,GANDHINAGAR - 382 016. If you are travelling from outside Gandhinagar, search for the branch on a maps application using the bank name and locality, or call 79-23247215 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 HDFC0CGNCBL and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0CGNCBL for HDFC Bank – GANDHINAGAR NAG. 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 Gandhinagar Nag. 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 HDFC0CGNCBL continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0CGNCBL is the IFSC code of HDFC Bank, GANDHINAGAR NAG. CO-OP. BANK LTD branch, in GANDHINAGAR, GUJARAT. 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.