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Gurgaon Gramin Bank IFSC and MICR Code:

State wise list of Gurgaon Gramin Bank IFSC code, MICR code and addresses of all branches in India

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Gurgaon Gramin Bank IFSC Code:

Gurgaon Gramin Bank offers its customers electronic fund transfer services. No more unending queues and long waiting periods, before you settle your payments. Now you can send your funds anywhere across accounts in India, provided the sender bank as well as the recipient bank are enabled with electronic fund transfer mechanism. This mode of fund transfer is intended not only to save money and time but also keep the fund transfer error-free. The Reserve Bank of India has introduced NEFT (National Electronic Fund Transfer) and RTGS (Real Time Gross Settlement) and these channels are considered to be fast, secure and safe.

RBI has assigned identification codes individually to each bank that is a part of the NEFT/RTGS network. The code is called as the Indian Financial System Code. Unique to each bank, this 11-character code is used for identifying the sender as well as the beneficiary bank during a NEFT or RTGS transaction.

Using this IFSC code, RBI can send funds from an account of an individual to another person’s account or to an organization’s account. Fund transfer can be done anywhere within the country at any time. An IFSC code is a combination of alphabets and numbers. It can be deciphered better when divided into 3 parts. The first part is an identification of the bank name, it is the first 4 characters. The 5th character is zero (0) and the last part which contains the last 6 characters is the specific branch’s identity.

For instance, the IFSC code of the Badshahpur Branch of the Gurgaon Gramin Bank is GGBK0001110. GGBKdenotes the name of the bank, which in this case is Gurgaon Gramin Bank. The 5th character is zero as explained above. The last 6 characters are 001110is an identity for the Badshapur branch of Gurgaon district in Haryana.

How to Search For IFSC and MICR Codes of Gurgaon Gramin Bank?

Prior to making an electronic fund transfer using NEFT or RTGS, you must have all the necessary details of the beneficiary and his bank account, to make a successful transaction online. The details you need to furnish while making a NEFT/RTGS transaction are: beneficiary’s name and account number, beneficiary bank, beneficiary bank branch and the IFSC code of the specific branch of the beneficiary bank.

The simplest way to find the IFSC code of the branch you are looking for is to open the cheque book issued by Gurgaon Gramin Bank. All the leaves of the cheque book will have the IFSC code printed on them. RBI’s official website has a tab labelled as ‘IFSC/MICR Codes’ that takes you to another page, where you have to select the Bank name from the drop-down menu and enter the name of the branch, the website displays all details relating to the particular branch in question.

External websites such as BankBazaar have a lot of information on their website on banks that are NEFT/RTGS enabled. It is a very simple website that allows you to browse for IFSC and MICR codes of any bank you desire. At the bottom left corner of the page, there is a tab ‘Bank IFSC Code’, which takes you to another page. This page requires you to input some basic details of the bank like, Bank name, State, District and Branch name. Once all fields are selected from either drop-down menus or the list below, the output page displays the following: IFSC Code, MICR Code, Address and Contact Number of the Branch.

Funds can be transferred using NEFT or RTGS seamlessly and almost effortlessly. As both the modes of money transfer are operated under RBI, they are considered to be authentic, speedy and secure. Using the electronic mode of transfer, money from the sender to the recipient reach within a few hours or even minutes sometimes.

NEFT at Gurgaon Gramin Bank:

RBI clears NEFT transactions at the bank on an hourly basis in batches. This mode of settlement is called as the DNS, i.e. the Deferred Net Settlement basis of settlement. At Gurgaon Gramin Bank, RBI clears NEFT transactions from 9am to 7pm on weekdays and 9am to 1pm on Saturdays. If you request for a NEFT transaction in the beginning of the day, the payment is likely to be cleared on the same day. However, NEFT transactions in the later batches sometimes get carried on to the next day and are cleared then.

Inward NEFT transactions are free and not chargeable by the bank but based on the value of the transfer, there is a certain charge needed to be paid to the bank.

Amount

Charge per transaction

Upto Rs.10,000

Rs.2.50

Rs.10,0001 to Rs.1 lakh

Rs.5

Rs.1 lakh to Rs.2 lakh

Rs.15

Rs.2 lakh and above

Rs.25

RTGS at Gurgaon Gramin Bank:

Real Time Gross Settlement or RTGS remittances are for high value transactions.

This inter-bank transfer mechanism is used to transfer money from one account to another on a real-time basis, i.e. throughout RTGS business hours, the transactions are processed continuously. Clearance of such transactions is also carried out individually and not in a batch system. The transfers are final and irrevocable, as they are handled by the RBI. Rs.2 lakh is the minimum amount that can be remitted using RTGS, there is no set maximum limit for RTGS transactions. The beneficiary bank branch credit the money into the recipient account within two hours of receiving the instruction for the same. RTGS transactions work within the same time frame as assigned by the RBI for NEFT.

Number

Transaction Time

Time Based Tariff Per Transaction

RTGS Charges(Excluding Service Tax)

Rs.2 lakh to Rs.5 lakh

Above Rs.5 lakh

1

09:00-12:00

Nil

Rs.25

Rs.50

2

12:00-15:30

Rs.1

Rs.26

Rs.51

3

15:30-17:30

Rs.5

Rs.30

Rs.55

4

After 17:30

Rs.10

Rs.30

Rs.55

Gurgaon Gramin Bank and Haryana Gramin Bank merged in 2013 and was named as the Sarva Haryana Gramin Bank. Spread across 21 districts of Haryana, it is the largest bank of the state. The head-office of Sarva Haryana Gramin Bank has its head-office in Rohtak and has 10 regional offices and 599 branches all over the state of Haryana. The motto of the Sarva Haryana Gramin Bank is to provide safer saving schemes to the rural masses, assist them in their financial needs and make them financially independent.


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