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

This page lists the IFSC code, branch address, contact number and fund-transfer information for HDFC Bank, THE GAYATRI CO-OP URBAN BANK LTD branch in JAMMIKUNTA. The 11-digit IFSC HDFC0CTGB01 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 HDFC Bank at the THE GAYATRI CO-OP URBAN BANK LTD 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, HDFC0CTGB01 is the IFSC of HDFC Bank's THE GAYATRI CO-OP URBAN BANK LTD branch. The format is fixed: HDFC = bank code, 0 = reserved, CTGB01 = branch identifier.

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 Jammikunta. 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, HDFC0CTGB01.

The Gayatri Co-Op Urban Bank Ltd branch overview

Located at HOUSE NO. 8-1-94/1,FIRST FLR,R.R.D.COMPLEX,VEENAVANKA RD,VILL AND MDL JAMMIKUNTA,DIST KARIMNAGAR505122, 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 HDFC0CTGB01 is required for all interbank electronic transfers routed through this branch.

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 HDFC0CTGB01.

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 HDFC0CTGB01, money simply cannot be routed to the THE GAYATRI CO-OP URBAN BANK LTD branch electronically.

How to transfer money using IFSC HDFC0CTGB01

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 HDFC0CTGB01 across all three.

NEFT to HDFC Bank, THE GAYATRI CO-OP URBAN BANK LTD using IFSC HDFC0CTGB01

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 HDFC0CTGB01, and confirm that the system picks up HDFC Bank – THE GAYATRI CO-OP URBAN BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing 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 HDFC0CTGB01 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 HDFC0CTGB01 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 HDFC0CTGB01:

• 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 HDFC0CTGB01.

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 HDFC0CTGB01

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 HDFC0CTGB01. 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 HDFC0CTGB01 and the beneficiary's account number to complete the transfer.

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 HDFC0CTGB01 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 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 91-9393894599.

• 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 HDFC0CTGB01

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 HDFC0CTGB01 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 The Gayatri Co-Op Urban 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 HDFC0CTGB01 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.

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 HDFC0CTGB01 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 HOUSE NO. 8-1-94/1,FIRST FLR,R.R.D.COMPLEX,VEENAVANKA RD,VILL AND MDL JAMMIKUNTA,DIST KARIMNAGAR505122, which puts it inside Jammikunta, the broader Karimnagar 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 HDFC0CTGB01 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9393894599 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 HDFC0CTGB01 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0CTGB01 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.

Working hours

Branch counters at The Gayatri Co-Op Urban 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 HDFC0CTGB01 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0CTGB01 is the IFSC code of HDFC Bank, THE GAYATRI CO-OP URBAN BANK LTD branch, in JAMMIKUNTA, 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.