Tumkur Grain Merchant's Co-operative Bank
HRBR LAYOUT BRANCH BRANCH
+918043758795
Understanding IFSC Code: The Digital DNA of Tumkur Grain Merchant's Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the HRBR LAYOUT BRANCH
branch of Tumkur Grain Merchant's Co-operative Bank, the code TGMB0000031 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 TGMB0000031 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"TGMB" represents Tumkur Grain Merchant's Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for HRBR LAYOUT BRANCH
Payment Systems Supported by TGMB0000031
| 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—560574017—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 Tumkur Grain Merchant's Co-operative Bank in BANGALORE typically follows the RBI holiday calendar. Digital transfers via TGMB0000031 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 TGMB0000031 is the valid code for HRBR LAYOUT BRANCH at BANGALORE, ensure the beneficiary name matches perfectly in your mobile banking app.
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Branch Context
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Platform Links
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