IFSC Code of The Gayatri Co-Operative Urban Bank Limited, Ponnur Branch, Andhra Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Gayatri Co-Operative Urban Bank Limited, PONNUR branch in PONNUR. The 11-digit IFSC GABK0001079 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 The Gayatri Co-Operative Urban Bank Limited at the PONNUR 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.

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 PONNUR branch, the IFSC GABK0001079 breaks down as follows: GABK identifies the bank, 0 is the reserved character, and 001079 identifies this particular branch.

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 Ponnur branch — IFSC GABK0001079 — extends the bank's services to customers in and around Ponnur, Andhra Pradesh.

About this branch

The branch is located at 24-2-2, BRAHMIN STREET, PONNUR, DIST GUNTUR, ANDHRA PRADESH-522124.. It serves the Ponnur region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Gayatri Co-Operative Urban Bank Limited. The IFSC GABK0001079 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 The Gayatri Co-Operative Urban Bank Limited's PONNUR branch came to be assigned the code GABK0001079.

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 GABK0001079, money simply cannot be routed to the PONNUR branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Gayatri Co-Operative Urban Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC GABK0001079 and the account number together uniquely identify the Ponnur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC GABK0001079

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 GABK0001079 across all three.

NEFT to The Gayatri Co-Operative Urban Bank Limited, PONNUR using IFSC GABK0001079

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 GABK0001079, and confirm that the system picks up The Gayatri Co-Operative Urban Bank Limited – PONNUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GABK0001079

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 The Gayatri Co-Operative Urban Bank Limited – PONNUR, ensure your bank's portal accepts IFSC GABK0001079 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gayatri Co-Operative Urban Bank Limited PONNUR (IFSC GABK0001079)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GABK0001079 in your mobile or internet banking app, and the money is credited to the PONNUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ponnur

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 GABK0001079:

• 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 PONNUR is still linked to IFSC GABK0001079.

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 GABK0001079

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 The Gayatri Co-Operative Urban Bank Limited – PONNUR is still mapped to IFSC GABK0001079. 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 GABK0001079 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ponnur branch is mapped to IFSC GABK0001079 on the RBI payments network. The branch generally supports the full retail product catalogue of The Gayatri Co-Operative Urban Bank Limited, 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 GABK0001079.

Products and services

Customers walking into the Ponnur 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 GABK0001079

Online banking and IFSC GABK0001079

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 PONNUR 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 GABK0001079 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 Ponnur branch sits at 24-2-2, BRAHMIN STREET, PONNUR, DIST GUNTUR, ANDHRA PRADESH-522124.. If you are travelling from outside Ponnur, search for the branch on a maps application using the bank name and locality, or call 8500802746 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 GABK0001079 and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to The Gayatri Co-Operative Urban Bank Limited – PONNUR:

• The IFSC is exactly GABK0001079 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Gayatri Co-Operative Urban Bank Limited as the bank name and PONNUR as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

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 Ponnur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GABK0001079, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GABK0001079 for The Gayatri Co-Operative Urban Bank Limited – PONNUR, 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: GABK0001079 is the IFSC code of The Gayatri Co-Operative Urban Bank Limited, PONNUR branch, in PONNUR, ANDHRA 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.