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 KHAMMAM, TELANGANA, this page has every detail you need. The verified IFSC code for this branch is HDFC0CTGB32. 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 HDFC0CTGB32 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.

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, HDFC0CTGB32 is the IFSC of HDFC Bank's THE GAYATRI CO OP URBAN BANK LTD branch. The format is fixed: HDFC = bank code, 0 = reserved, CTGB32 = branch identifier.

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The The Gayatri Co Op Urban Bank Ltd branch — IFSC HDFC0CTGB32 — extends the bank's services to customers in and around Khammam, Telangana.

Branch details at a glance

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 2 2 33 404 A 1 GANNARAPU TOWERS GANDHI CHOWK KHAMMAM. 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 HDFC0CTGB32 is used.

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 HDFC0CTGB32 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 HDFC0CTGB32 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 The Gayatri Co Op Urban Bank Ltd branch is mapped to IFSC HDFC0CTGB32 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 HDFC0CTGB32.

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 9440050671.

• 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 HDFC0CTGB32

How to transfer money using IFSC HDFC0CTGB32

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 HDFC0CTGB32 across all three.

How to use IFSC HDFC0CTGB32 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 HDFC0CTGB32.
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 HDFC0CTGB32 while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank THE GAYATRI CO OP URBAN BANK LTD (IFSC HDFC0CTGB32)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0CTGB32 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 HDFC0CTGB32 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.

UPI payments and IFSC HDFC0CTGB32

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 HDFC0CTGB32. 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 HDFC0CTGB32 and the beneficiary's account number to complete the transfer.

Online banking and IFSC HDFC0CTGB32

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 HDFC0CTGB32 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.

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 HDFC0CTGB32 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.

Common mistakes to avoid when using IFSC HDFC0CTGB32

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 – THE GAYATRI CO OP URBAN 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: HDFC0CTGB32.
• 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.

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

The branch is located at 2 2 33 404 A 1 GANNARAPU TOWERS GANDHI CHOWK KHAMMAM, which puts it inside Khammam, the broader Khammam 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 HDFC0CTGB32 should appear at the top of the results.
2. Confirm the branch is open by calling 9440050671 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 HDFC0CTGB32 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0CTGB32 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 HDFC0CTGB32 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0CTGB32 is the IFSC code of HDFC Bank, THE GAYATRI CO OP URBAN BANK LTD branch, in KHAMMAM, TELANGANA. 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.