IFSC Code of The Gayatri Co-Operative Urban Bank Limited, Kamareddy Branch, Telangana

If you are searching for the IFSC code of The Gayatri Co-Operative Urban Bank Limited, KAMAREDDY branch in KAMAREDDY, TELANGANA, this page has every detail you need. The verified IFSC code for this branch is GABK0001013. 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 KAMAREDDY branch, and detailed step-by-step guides for using the IFSC GABK0001013 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For The Gayatri Co-Operative Urban Bank Limited's KAMAREDDY branch, the IFSC GABK0001013 breaks down as follows: GABK identifies the bank, 0 is the reserved character, and 001013 identifies this particular branch.

Branch details at a glance

Bank profile

The Gayatri Co-Operative Urban Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kamareddy branch — IFSC GABK0001013 — extends the bank's services to customers in and around Kamareddy, Telangana.

About the Kamareddy branch

The Kamareddy branch of The Gayatri Co-Operative Urban Bank Limited is situated at 1-5-452, SIRICILLA ROAD,BESIDE IOC PETROL PUMP,KAMAREDDY DIST KAMAREDDY, T.S.. 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 GABK0001013 is used.

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 The Gayatri Co-Operative Urban Bank Limited's KAMAREDDY branch came to be assigned the code GABK0001013.

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 GABK0001013, money simply cannot be routed to the KAMAREDDY branch electronically.

How to transfer money using IFSC GABK0001013

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 GABK0001013 across all three.

NEFT to The Gayatri Co-Operative Urban Bank Limited, KAMAREDDY using IFSC GABK0001013

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC GABK0001013, and confirm that the system picks up The Gayatri Co-Operative Urban Bank Limited – KAMAREDDY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KAMAREDDY

If you need to transfer ₹2 lakh or more in one go to an account at The Gayatri Co-Operative Urban Bank Limited's KAMAREDDY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GABK0001013 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Gayatri Co-Operative Urban Bank Limited – KAMAREDDY, use IMPS. With IFSC GABK0001013 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC GABK0001013 for The Gayatri Co-Operative Urban Bank Limited – KAMAREDDY, 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 Kamareddy 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.

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 The Gayatri Co-Operative Urban Bank Limited's KAMAREDDY branch, the IFSC GABK0001013 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 Kamareddy branch

Once you have an account at The Gayatri Co-Operative Urban Bank Limited – KAMAREDDY, the IFSC GABK0001013 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 Kamareddy branch can access most of The Gayatri Co-Operative Urban 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 GABK0001013

MICR & cheque-truncation details

Cheques drawn on the Kamareddy branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GABK0001013 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC GABK0001013

The Gayatri Co-Operative Urban Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KAMAREDDY 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 GABK0001013 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.

Common mistakes to avoid when using IFSC GABK0001013

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 The Gayatri Co-Operative Urban Bank Limited – KAMAREDDY, 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: GABK0001013.
• 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 Kamareddy branch

The branch is located at 1-5-452, SIRICILLA ROAD,BESIDE IOC PETROL PUMP,KAMAREDDY DIST KAMAREDDY, T.S., which puts it inside Kamareddy, the broader Kamareddy district, and the state of Telangana. To plan your visit:

1. Open Google Maps on your phone and search for “The Gayatri Co-Operative Urban Bank Limited Kamareddy branch” — the verified location pin for IFSC GABK0001013 should appear at the top of the results.
2. Confirm the branch is open by calling 9100917247 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 GABK0001013 and your account number.

Verifying IFSC GABK0001013 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 GABK0001013 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9100917247.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kamareddy 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 GABK0001013 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GABK0001013 belongs to The Gayatri Co-Operative Urban Bank Limited's KAMAREDDY branch, located at 1-5-452, SIRICILLA ROAD,BESIDE IOC PETROL PUMP,KAMAREDDY DIST KAMAREDDY, T.S. in KAMAREDDY, TELANGANA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.