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

Below are the complete branch details for HDFC Bank, THE GAYATRI CO OP URBAN BANK LTD branch, located in MANIKONDA, TELANGANA. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0CTGB39. 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 HDFC0CTGB39 for HDFC Bank – THE GAYATRI CO OP URBAN BANK LTD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 HDFC0CTGB39. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CTGB39 map to this branch in MANIKONDA, TELANGANA.

About HDFC Bank

HDFC Bank operates a wide network of branches across India, including the The Gayatri Co Op Urban Bank Ltd branch in Manikonda. 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, HDFC0CTGB39.

About this branch

The branch is located at 5 4 9 5 4 6 5 4 FF 1 5 4 5 1ST FLOOR BESIDE MANIKONDA POSTOFFICE MANIKONDA. It serves the Manikonda 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 HDFC0CTGB39 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 HDFC0CTGB39.

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 HDFC0CTGB39, money simply cannot be routed to the THE GAYATRI CO OP URBAN BANK LTD branch electronically.

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 HDFC0CTGB39 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.

How to transfer money using IFSC HDFC0CTGB39

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 HDFC0CTGB39 across all three.

How to use IFSC HDFC0CTGB39 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 HDFC0CTGB39.
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 HDFC0CTGB39 while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank THE GAYATRI CO OP URBAN BANK LTD (IFSC HDFC0CTGB39)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0CTGB39 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.

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 HDFC0CTGB39:

• 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 HDFC0CTGB39.

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 HDFC0CTGB39

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 HDFC0CTGB39. 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 HDFC0CTGB39 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the The Gayatri Co Op Urban Bank Ltd branch is mapped to IFSC HDFC0CTGB39 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 HDFC0CTGB39.

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 HDFC0CTGB39

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 HDFC0CTGB39 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.

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

The branch is located at 5 4 9 5 4 6 5 4 FF 1 5 4 5 1ST FLOOR BESIDE MANIKONDA POSTOFFICE MANIKONDA, which puts it inside Manikonda, the broader Rangareddy 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 HDFC0CTGB39 should appear at the top of the results.
2. Confirm the branch is open by calling 9440014255 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 HDFC0CTGB39 and your account number.

Common mistakes to avoid when using IFSC HDFC0CTGB39

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: HDFC0CTGB39.
• 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.

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 HDFC0CTGB39 continue to work without interruption.

Verifying IFSC HDFC0CTGB39 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm HDFC0CTGB39 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9440014255.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0CTGB39 is the IFSC code of HDFC Bank, THE GAYATRI CO OP URBAN BANK LTD branch, in MANIKONDA, 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.