IFSC Code of ICICI Bank Limited, The Ganga Mercantile Urban Cooperative Bank Ltd Branch, Uttar Pradesh

Below are the complete branch details for ICICI Bank Limited, THE GANGA MERCANTILE URBAN COOPERATIVE BANK LTD branch, located in MUZAFFARNAGAR, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is ICIC00TGMUC. 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 ICIC00TGMUC for ICICI Bank Limited – THE GANGA MERCANTILE URBAN COOPERATIVE BANK LTD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, ICIC00TGMUC is the IFSC of ICICI Bank Limited's THE GANGA MERCANTILE URBAN COOPERATIVE BANK LTD branch. The format is fixed: ICIC = bank code, 0 = reserved, 0TGMUC = branch identifier.

About the bank

ICICI Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Ganga Mercantile Urban Cooperative Bank Ltd branch in Muzaffarnagar, Uttar Pradesh is part of this network and uses the IFSC code ICIC00TGMUC for all electronic settlement.

The Ganga Mercantile Urban Cooperative Bank Ltd branch overview

Located at MAHAMANA MALVIYA INTER COLLEGE COMPLEX OPP SOLDIER BOARD MUZAFFARNAGAR,UTTAR PRADESH, the The Ganga Mercantile Urban Cooperative 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 ICIC00TGMUC is required for all interbank electronic transfers routed through this branch.

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 ICICI Bank Limited's THE GANGA MERCANTILE URBAN COOPERATIVE BANK LTD branch came to be assigned the code ICIC00TGMUC.

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 ICIC00TGMUC, money simply cannot be routed to the THE GANGA MERCANTILE URBAN COOPERATIVE BANK LTD branch electronically.

MICR & cheque-truncation details

Cheques drawn on the The Ganga Mercantile Urban Cooperative Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ICIC00TGMUC for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC ICIC00TGMUC

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 ICIC00TGMUC across all three.

How to use IFSC ICIC00TGMUC for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to ICICI Bank Limited's THE GANGA MERCANTILE URBAN COOPERATIVE 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 ICIC00TGMUC.
4. Confirm the bank name auto-populates as ICICI Bank Limited and the branch as THE GANGA MERCANTILE URBAN COOPERATIVE BANK LTD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC ICIC00TGMUC

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 ICICI Bank Limited – THE GANGA MERCANTILE URBAN COOPERATIVE BANK LTD, ensure your bank's portal accepts IFSC ICIC00TGMUC while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to ICICI Bank Limited – THE GANGA MERCANTILE URBAN COOPERATIVE BANK LTD, use IMPS. With IFSC ICIC00TGMUC 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 Ganga Mercantile Urban Cooperative 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 ICIC00TGMUC:

• 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 GANGA MERCANTILE URBAN COOPERATIVE BANK LTD is still linked to IFSC ICIC00TGMUC.

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.

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 ICICI Bank Limited's THE GANGA MERCANTILE URBAN COOPERATIVE BANK LTD branch, the IFSC ICIC00TGMUC 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.

Account types you can open at the The Ganga Mercantile Urban Cooperative Bank Ltd branch

Once you have an account at ICICI Bank Limited – THE GANGA MERCANTILE URBAN COOPERATIVE BANK LTD, the IFSC ICIC00TGMUC 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 Ganga Mercantile Urban Cooperative Bank Ltd branch can access most of ICICI Bank Limited'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 ICIC00TGMUC

Digital banking channels

Most day-to-day work that customers used to do at the The Ganga Mercantile Urban Cooperative 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 ICIC00TGMUC 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 Ganga Mercantile Urban Cooperative Bank Ltd branch

The branch is located at MAHAMANA MALVIYA INTER COLLEGE COMPLEX OPP SOLDIER BOARD MUZAFFARNAGAR,UTTAR PRADESH, which puts it inside Muzaffarnagar, the broader Muzaffarnagar district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “ICICI Bank Limited The Ganga Mercantile Urban Cooperative Bank Ltd branch” — the verified location pin for IFSC ICIC00TGMUC should appear at the top of the results.
2. Confirm the branch is open by calling 9219440576 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 ICIC00TGMUC and your account number.

Common mistakes to avoid when using IFSC ICIC00TGMUC

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 ICICI Bank Limited – THE GANGA MERCANTILE URBAN COOPERATIVE 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: ICIC00TGMUC.
• 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 Ganga Mercantile Urban Cooperative 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 ICIC00TGMUC continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ICIC00TGMUC for ICICI Bank Limited – THE GANGA MERCANTILE URBAN COOPERATIVE 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 address & contact

Frequently asked questions

Final notes

To recap: ICIC00TGMUC is the IFSC code of ICICI Bank Limited, THE GANGA MERCANTILE URBAN COOPERATIVE BANK LTD branch, in MUZAFFARNAGAR, UTTAR 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.