Gandhi Co-operative Urban Bank
GANDHI COOP URBAN BANK LTD GUNTUR BRANCH
+918632227900
Understanding IFSC Code: The Digital DNA of Gandhi Co-operative Urban Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the GANDHI COOP URBAN BANK LTD GUNTUR
branch of Gandhi Co-operative Urban Bank, the code YESB0GCUB12 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 YESB0GCUB12 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"YESB" represents Gandhi Co-operative Urban Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for GANDHI COOP URBAN BANK LTD GUNTUR
Payment Systems Supported by YESB0GCUB12
| 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—520649010—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 Gandhi Co-operative Urban Bank in GUNTUR typically follows the RBI holiday calendar. Digital transfers via YESB0GCUB12 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 YESB0GCUB12 is the valid code for GANDHI COOP URBAN BANK LTD GUNTUR at GUNTUR, ensure the beneficiary name matches perfectly in your mobile banking app.
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Financial Tools
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Branch Context
- • GANDHI COOP URBAN BANK LTD GUNTUR Contact
- • Address of Gandhi Co-operative Urban Bank
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Platform Links
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