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

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 MOTHKUR. The 11-digit IFSC HDFC0CTGB46 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, HDFC0CTGB46 is the IFSC of HDFC Bank's THE GAYATRI CO-OP URBAN BANK LTD branch. The format is fixed: HDFC = bank code, 0 = reserved, CTGB46 = branch identifier.

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 Mothkur, Telangana is part of this network and uses the IFSC code HDFC0CTGB46 for all electronic settlement.

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 POTHAYIGADDA MAIN ROAD MOTHKUR YADADRI BHUVANAGIRI TELANGANA 508277. 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 HDFC0CTGB46 is used.

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 HDFC0CTGB46.

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 HDFC0CTGB46, 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 HDFC0CTGB46 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 HDFC0CTGB46

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 HDFC0CTGB46 across all three.

How to use IFSC HDFC0CTGB46 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 HDFC0CTGB46.
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 HDFC0CTGB46 while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank THE GAYATRI CO-OP URBAN BANK LTD (IFSC HDFC0CTGB46)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0CTGB46 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 HDFC0CTGB46:

• 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 HDFC0CTGB46.

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 HDFC0CTGB46

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 HDFC0CTGB46. 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 HDFC0CTGB46 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 HDFC0CTGB46 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 HDFC0CTGB46

Online banking and IFSC HDFC0CTGB46

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 HDFC0CTGB46 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.

Reaching the branch

The The Gayatri Co-Op Urban Bank Ltd branch sits at POTHAYIGADDA MAIN ROAD MOTHKUR YADADRI BHUVANAGIRI TELANGANA 508277. If you are travelling from outside Mothkur, search for the branch on a maps application using the bank name and locality, or call 9440022812 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC HDFC0CTGB46 and your account number.

Common mistakes to avoid when using IFSC HDFC0CTGB46

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: HDFC0CTGB46.
• 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 HDFC0CTGB46 continue to work without interruption.

Verifying IFSC HDFC0CTGB46 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 HDFC0CTGB46 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9440022812.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0CTGB46 is the IFSC code of HDFC Bank, THE GAYATRI CO-OP URBAN BANK LTD branch, in MOTHKUR, 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.