IFSC Code of The Gujarat State Cooperative Bank Limited, Gujarat Mercanctile Co Op Bank Ltd Ghodasar Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Gujarat State Cooperative Bank Limited, GUJARAT MERCANCTILE CO OP BANK LTD GHODASAR branch in AHMEDABAD. The 11-digit IFSC GSCB0GUMC01 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Gujarat State Cooperative Bank Limited at the GUJARAT MERCANCTILE CO OP BANK LTD GHODASAR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, GSCB0GUMC01 is the IFSC of The Gujarat State Cooperative Bank Limited's GUJARAT MERCANCTILE CO OP BANK LTD GHODASAR branch. The format is fixed: GSCB = bank code, 0 = reserved, GUMC01 = branch identifier.

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Gujarat Mercanctile Co Op Bank Ltd Ghodasar branch — IFSC GSCB0GUMC01 — extends the bank's services to customers in and around Ahmedabad, Gujarat.

Gujarat Mercanctile Co Op Bank Ltd Ghodasar branch overview

Located at PANCHALI APPARTMENT OPP CADILA LAB GHODASAR AHMEDABAD, the Gujarat Mercanctile Co Op Bank Ltd Ghodasar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0GUMC01 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

Why every The Gujarat State Cooperative Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including GUJARAT MERCANCTILE CO OP BANK LTD GHODASAR of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0GUMC01 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC GSCB0GUMC01 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Gujarat State Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC GSCB0GUMC01 and the account number together uniquely identify the Gujarat Mercanctile Co Op Bank Ltd Ghodasar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC GSCB0GUMC01

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC GSCB0GUMC01 across all three.

How to use IFSC GSCB0GUMC01 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Gujarat State Cooperative Bank Limited's GUJARAT MERCANCTILE CO OP BANK LTD GHODASAR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC GSCB0GUMC01.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as GUJARAT MERCANCTILE CO OP BANK LTD GHODASAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to GUJARAT MERCANCTILE CO OP BANK LTD GHODASAR

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's GUJARAT MERCANCTILE CO OP BANK LTD GHODASAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0GUMC01 while initiating the transfer and the credit will appear within minutes.

IMPS to The Gujarat State Cooperative Bank Limited GUJARAT MERCANCTILE CO OP BANK LTD GHODASAR (IFSC GSCB0GUMC01)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0GUMC01 in your mobile or internet banking app, and the money is credited to the GUJARAT MERCANCTILE CO OP BANK LTD GHODASAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Gujarat Mercanctile Co Op Bank Ltd Ghodasar

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC GSCB0GUMC01:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at GUJARAT MERCANCTILE CO OP BANK LTD GHODASAR is still linked to IFSC GSCB0GUMC01.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC GSCB0GUMC01

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at The Gujarat State Cooperative Bank Limited – GUJARAT MERCANCTILE CO OP BANK LTD GHODASAR is still mapped to IFSC GSCB0GUMC01. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC GSCB0GUMC01 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Gujarat Mercanctile Co Op Bank Ltd Ghodasar branch is mapped to IFSC GSCB0GUMC01 on the RBI payments network. The branch generally supports the full retail product catalogue of The Gujarat State Cooperative Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains GSCB0GUMC01.

Products and services

Customers walking into the Gujarat Mercanctile Co Op Bank Ltd Ghodasar branch can access most of The Gujarat State Cooperative Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC GSCB0GUMC01

Digital banking channels

Most day-to-day work that customers used to do at the Gujarat Mercanctile Co Op Bank Ltd Ghodasar branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC GSCB0GUMC01 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Reaching the branch

The Gujarat Mercanctile Co Op Bank Ltd Ghodasar branch sits at PANCHALI APPARTMENT OPP CADILA LAB GHODASAR AHMEDABAD. If you are travelling from outside Ahmedabad, search for the branch on a maps application using the bank name and locality, or call 79-25397610 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC GSCB0GUMC01 and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to The Gujarat State Cooperative Bank Limited – GUJARAT MERCANCTILE CO OP BANK LTD GHODASAR:

• The IFSC is exactly GSCB0GUMC01 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Gujarat State Cooperative Bank Limited as the bank name and GUJARAT MERCANCTILE CO OP BANK LTD GHODASAR as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Gujarat Mercanctile Co Op Bank Ltd Ghodasar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0GUMC01, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0GUMC01 for The Gujarat State Cooperative Bank Limited – GUJARAT MERCANCTILE CO OP BANK LTD GHODASAR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0GUMC01 belongs to The Gujarat State Cooperative Bank Limited's GUJARAT MERCANCTILE CO OP BANK LTD GHODASAR branch, located at PANCHALI APPARTMENT OPP CADILA LAB GHODASAR AHMEDABAD in AHMEDABAD, GUJARAT. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.