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

If you are searching for the IFSC code of HDFC Bank, THE GAYATRI CO OP URBAN BANK LTD branch in GUNTUR, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is HDFC0CTGB48. 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 THE GAYATRI CO OP URBAN BANK LTD branch, and detailed step-by-step guides for using the IFSC HDFC0CTGB48 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.

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 HDFC Bank – THE GAYATRI CO OP URBAN BANK LTD is HDFC0CTGB48. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CTGB48 map to this branch in GUNTUR, ANDHRA PRADESH.

Branch details at a glance

About HDFC Bank

HDFC Bank operates a wide network of branches across India, including the The Gayatri Co Op Urban Bank Ltd branch in Guntur. 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, HDFC0CTGB48.

About the The Gayatri Co Op Urban Bank Ltd branch

The The Gayatri Co Op Urban Bank Ltd branch of HDFC Bank is situated at 6 11 32 ROAD NO 9 ARUNDELPET GUNTUR ANDHRA PRADESH. 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 HDFC0CTGB48 is used.

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 THE GAYATRI CO OP URBAN BANK LTD branch came to be assigned the code HDFC0CTGB48.

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 HDFC0CTGB48, money simply cannot be routed to the THE GAYATRI CO OP URBAN BANK LTD branch electronically.

How to transfer money using IFSC HDFC0CTGB48

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 HDFC0CTGB48 across all three.

How to use IFSC HDFC0CTGB48 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 HDFC0CTGB48.
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.

RTGS transfers via IFSC HDFC0CTGB48

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 – THE GAYATRI CO OP URBAN BANK LTD, ensure your bank's portal accepts IFSC HDFC0CTGB48 while registering the beneficiary. RTGS is also available 24x7.

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 HDFC0CTGB48 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 HDFC0CTGB48:

• 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 HDFC0CTGB48.

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 THE GAYATRI CO OP URBAN BANK LTD branch, the IFSC HDFC0CTGB48 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.

Account types you can open at the The Gayatri Co Op Urban Bank Ltd branch

Once you have an account at HDFC Bank – THE GAYATRI CO OP URBAN BANK LTD, the IFSC HDFC0CTGB48 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 The Gayatri Co Op Urban 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 HDFC0CTGB48

MICR & cheque-truncation details

Cheques drawn on the The Gayatri Co Op Urban Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0CTGB48 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC HDFC0CTGB48

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 HDFC0CTGB48 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 HDFC Bank – THE GAYATRI CO OP URBAN BANK LTD:

• The IFSC is exactly HDFC0CTGB48 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.

How to reach the The Gayatri Co Op Urban Bank Ltd branch

The branch is located at 6 11 32 ROAD NO 9 ARUNDELPET GUNTUR ANDHRA PRADESH, which puts it inside Guntur, the broader Guntur district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank The Gayatri Co Op Urban Bank Ltd branch” — the verified location pin for IFSC HDFC0CTGB48 should appear at the top of the results.
2. Confirm the branch is open by calling 8500725416 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 HDFC0CTGB48 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0CTGB48 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 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 HDFC0CTGB48, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0CTGB48 is the IFSC code of HDFC Bank, THE GAYATRI CO OP URBAN BANK LTD branch, in GUNTUR, ANDHRA PRADESH. 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.