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Ghatal Peoples' Co-operative Bank

Ghatal Peoples' Co-operative Bank IMPS BRANCH

+919474306579

IFSC CODE
HDFC0CGPCBL
MICR Code 721874801
Branch Code CGPCBL
City / District MEDINIPUR
State MAHARASHTRA
Office Address GHATAL, PASCHIM MEDINIPUR, WEST BENGAL-721212
Phone +919474306579
📍 View Branch on Google Maps

Understanding IFSC Code: The Digital DNA of Ghatal Peoples' Co-operative Bank

When performing any digital transaction in India, the Indian Financial System Code (IFSC) acts as a critical identifier. For the Ghatal Peoples' Co-operative Bank IMPS branch of Ghatal Peoples' Co-operative Bank, the code HDFC0CGPCBL ensures that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual errors. In an era of instant payments, having the correct IFSC is as important as the account number itself.

Anatomy of the HDFC0CGPCBL Code

An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:

First 4

Bank Identity

"HDFC" represents Ghatal Peoples' Co-operative Bank

5th Digit

Control Character

Always '0' (Reserved for future use)

Last 6

Branch Locator

Unique code for Ghatal Peoples' Co-operative Bank IMPS

Payment Systems Supported by HDFC0CGPCBL

System Transfer Limit Processing Time
NEFT No Minimum (Up to ₹50 Lakhs+) Half-hourly batches (24x7)
RTGS Minimum ₹2 Lakhs Real-time settlement
IMPS Up to ₹5 Lakhs Instant (Mobile/P2P)

Why do you need the MICR Code?

While IFSC is for digital transfers, the Magnetic Ink Character Recognition (MICR) code—721874801—is primarily used for the processing and clearance of physical cheques. This 9-digit code helps in identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing faster and error-free.

Bank Holidays & Availability

The Ghatal Peoples' Co-operative Bank in MEDINIPUR typically follows the RBI holiday calendar. Digital transfers via HDFC0CGPCBL for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.

Security Warning & Verification

Always verify the branch details before making a large payment. While HDFC0CGPCBL is the valid code for Ghatal Peoples' Co-operative Bank IMPS at MEDINIPUR, ensure the beneficiary name matches perfectly in your mobile banking app.

RBI Verified NEFT Enabled RTGS 24x7

Bank Search Indexing & Metadata

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Financial Tools

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Branch Context

  • • Ghatal Peoples' Co-operative Bank IMPS Contact
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Platform Links

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