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Gandhi Co-operative Urban Bank

GANDHI COOP URBAN BANK LTD GUNTUR BRANCH

+918632227900

IFSC CODE
YESB0GCUB12
MICR Code 520649010
Branch Code GCUB12
City / District GUNTUR
State ANDHRA PRADESH
Office Address DOOR NO 6322 ARUNDELPET GUNTUR 522002 GUNTUR
Phone +918632227900
📍 View Branch on Google Maps

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:

First 4

Bank Identity

"YESB" represents Gandhi Co-operative Urban Bank

5th Digit

Control Character

Always '0' (Reserved for future use)

Last 6

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.

RBI Verified NEFT Enabled RTGS 24x7

Bank Search Indexing & Metadata

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Branch Context

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Platform Links

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