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

If you are searching for the IFSC code of HDFC Bank, THE GAYATRI CO OP URBAN BANK LTD branch in KARIMNAGAR, TELANGANA, this page has every detail you need. The verified IFSC code for this branch is HDFC0CTGB26. 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 HDFC0CTGB26 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 THE GAYATRI CO OP URBAN BANK LTD branch, the IFSC HDFC0CTGB26 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and CTGB26 identifies this particular branch.

Branch details at a glance

About the bank

HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Gayatri Co Op Urban Bank Ltd branch in Karimnagar, Telangana is part of this network and uses the IFSC code HDFC0CTGB26 for all electronic settlement.

About this branch

The branch is located at CSC BUILDING TOWER CIRCLE KARIMNAGAR DIST KARIMNAGAR TELANGANA STATE PIN CODE 505001. It serves the Karimnagar 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 HDFC0CTGB26 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 THE GAYATRI CO OP URBAN BANK LTD branch came to be assigned the code HDFC0CTGB26.

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 HDFC0CTGB26, money simply cannot be routed to the THE GAYATRI CO OP URBAN BANK LTD branch electronically.

How to transfer money using IFSC HDFC0CTGB26

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 HDFC0CTGB26 across all three.

NEFT to HDFC Bank, THE GAYATRI CO OP URBAN BANK LTD using IFSC HDFC0CTGB26

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 HDFC0CTGB26, 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.

RTGS transfers via IFSC HDFC0CTGB26

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 HDFC0CTGB26 while registering the beneficiary. RTGS is also available 24x7.

IMPS to HDFC Bank THE GAYATRI CO OP URBAN BANK LTD (IFSC HDFC0CTGB26)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0CTGB26 in your mobile or internet banking app, and the money is credited to the THE GAYATRI CO OP URBAN BANK LTD branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC HDFC0CTGB26 for HDFC Bank – THE GAYATRI CO OP URBAN 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 The Gayatri Co Op Urban 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.

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 HDFC0CTGB26 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.

Products and account variants supported

Every account opened at the The Gayatri Co Op Urban Bank Ltd branch is mapped to IFSC HDFC0CTGB26 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 HDFC0CTGB26.

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 HDFC0CTGB26

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 HDFC0CTGB26 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.

Online banking and IFSC HDFC0CTGB26

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 HDFC0CTGB26 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 HDFC0CTGB26 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 CSC BUILDING TOWER CIRCLE KARIMNAGAR DIST KARIMNAGAR TELANGANA STATE PIN CODE 505001, which puts it inside Karimnagar, the broader Karimnagar district, and the state of Telangana. 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 HDFC0CTGB26 should appear at the top of the results.
2. Confirm the branch is open by calling 1800-2026161 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 HDFC0CTGB26 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0CTGB26 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 HDFC0CTGB26, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0CTGB26 belongs to HDFC Bank's THE GAYATRI CO OP URBAN BANK LTD branch, located at CSC BUILDING TOWER CIRCLE KARIMNAGAR DIST KARIMNAGAR TELANGANA STATE PIN CODE… in KARIMNAGAR, 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.