IFSC Code of Telangana Grameena Bank, Dharmaram Branch, Telangana

This page lists the IFSC code, branch address, contact number and fund-transfer information for Telangana Grameena Bank, DHARMARAM branch in KARIMNAGAR. The 11-digit IFSC TGRB0000401 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 Telangana Grameena Bank at the DHARMARAM 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, TGRB0000401 is the IFSC of Telangana Grameena Bank's DHARMARAM branch. The format is fixed: TGRB = bank code, 0 = reserved, 000401 = branch identifier.

Branch details at a glance

About the bank

Telangana Grameena Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Dharmaram branch in Karimnagar, Telangana is part of this network and uses the IFSC code TGRB0000401 for all electronic settlement.

About this branch

The branch is located at 1-79, MAIN ROAD, NEAR POLICE STN, DHARMARAM. 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 Telangana Grameena Bank. The IFSC TGRB0000401 is used to identify this branch on the RBI payments network.

Why every Telangana Grameena 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 DHARMARAM of Telangana Grameena Bank — its own 11-character IFSC. The code TGRB0000401 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 TGRB0000401 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC TGRB0000401

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 TGRB0000401 across all three.

How to use IFSC TGRB0000401 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Telangana Grameena Bank's DHARMARAM 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 TGRB0000401.
4. Confirm the bank name auto-populates as Telangana Grameena Bank and the branch as DHARMARAM.
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 TGRB0000401

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 Telangana Grameena Bank – DHARMARAM, ensure your bank's portal accepts IFSC TGRB0000401 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Telangana Grameena Bank – DHARMARAM, use IMPS. With IFSC TGRB0000401 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 Dharmaram

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 TGRB0000401:

• 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 DHARMARAM is still linked to IFSC TGRB0000401.

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 Telangana Grameena Bank's DHARMARAM branch, the IFSC TGRB0000401 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 Dharmaram branch is mapped to IFSC TGRB0000401 on the RBI payments network. The branch generally supports the full retail product catalogue of Telangana Grameena 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 TGRB0000401.

Banking services available

The Dharmaram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 40-8332988516.

• 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 TGRB0000401

MICR & cheque-truncation details

Cheques drawn on the Dharmaram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC TGRB0000401 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Dharmaram 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 TGRB0000401 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.

Common mistakes to avoid when using IFSC TGRB0000401

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 Telangana Grameena Bank – DHARMARAM, 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: TGRB0000401.
• 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 Dharmaram branch

The branch is located at 1-79, MAIN ROAD, NEAR POLICE STN, DHARMARAM, which puts it inside Karimnagar, the broader Peddapally district, and the state of Telangana. To plan your visit:

1. Open Google Maps on your phone and search for “Telangana Grameena Bank Dharmaram branch” — the verified location pin for IFSC TGRB0000401 should appear at the top of the results.
2. Confirm the branch is open by calling 40-8332988516 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 TGRB0000401 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC TGRB0000401 for Telangana Grameena Bank – DHARMARAM, 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 Dharmaram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC TGRB0000401, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: TGRB0000401 is the IFSC code of Telangana Grameena Bank, DHARMARAM branch, in KARIMNAGAR, 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.