IFSC Code of The Gujarat State Cooperative Bank Limited, Saraspur Nagarik Coopbank Ltd Memnagar Branch, Gujarat

If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, SARASPUR NAGARIK COOPBANK LTD MEMNAGAR branch in AHMEDABAD, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0USNC04. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SARASPUR NAGARIK COOPBANK LTD MEMNAGAR branch, and detailed step-by-step guides for using the IFSC GSCB0USNC04 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Gujarat State Cooperative Bank Limited – SARASPUR NAGARIK COOPBANK LTD MEMNAGAR is GSCB0USNC04. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters USNC04 map to this branch in AHMEDABAD, GUJARAT.

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Saraspur Nagarik Coopbank Ltd Memnagar branch — IFSC GSCB0USNC04 — extends the bank's services to customers in and around Ahmedabad, Gujarat.

Branch details at a glance

Saraspur Nagarik Coopbank Ltd Memnagar branch overview

Located at 1ST FLOORMANSI POINT OPP MARUTI COMPLEX SHUBHASH CHOWK GURUKUL ROAD AHMEDABAD380052, the Saraspur Nagarik Coopbank Ltd Memnagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0USNC04 is required for all interbank electronic transfers routed through this branch.

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 SARASPUR NAGARIK COOPBANK LTD MEMNAGAR of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0USNC04 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 GSCB0USNC04 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Saraspur Nagarik Coopbank Ltd Memnagar branch

Once you have an account at The Gujarat State Cooperative Bank Limited – SARASPUR NAGARIK COOPBANK LTD MEMNAGAR, the IFSC GSCB0USNC04 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Saraspur Nagarik Coopbank Ltd Memnagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 79-26461630.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC GSCB0USNC04

How to transfer money using IFSC GSCB0USNC04

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 GSCB0USNC04 across all three.

How to use IFSC GSCB0USNC04 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 SARASPUR NAGARIK COOPBANK LTD MEMNAGAR 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 GSCB0USNC04.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as SARASPUR NAGARIK COOPBANK LTD MEMNAGAR.
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 SARASPUR NAGARIK COOPBANK LTD MEMNAGAR

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's SARASPUR NAGARIK COOPBANK LTD MEMNAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0USNC04 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Gujarat State Cooperative Bank Limited – SARASPUR NAGARIK COOPBANK LTD MEMNAGAR, use IMPS. With IFSC GSCB0USNC04 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Saraspur Nagarik Coopbank Ltd Memnagar

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 GSCB0USNC04:

• 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 SARASPUR NAGARIK COOPBANK LTD MEMNAGAR is still linked to IFSC GSCB0USNC04.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at The Gujarat State Cooperative Bank Limited's SARASPUR NAGARIK COOPBANK LTD MEMNAGAR branch, the IFSC GSCB0USNC04 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC GSCB0USNC04

The Gujarat State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SARASPUR NAGARIK COOPBANK LTD MEMNAGAR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC GSCB0USNC04 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

MICR & cheque-truncation details

Cheques drawn on the Saraspur Nagarik Coopbank Ltd Memnagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0USNC04 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – SARASPUR NAGARIK COOPBANK LTD MEMNAGAR:

• The IFSC is exactly GSCB0USNC04 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 SARASPUR NAGARIK COOPBANK LTD MEMNAGAR 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.

How to reach the Saraspur Nagarik Coopbank Ltd Memnagar branch

The branch is located at 1ST FLOORMANSI POINT OPP MARUTI COMPLEX SHUBHASH CHOWK GURUKUL ROAD AHMEDABAD380052, which puts it inside Ahmedabad, the broader Ahmedabad district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “The Gujarat State Cooperative Bank Limited Saraspur Nagarik Coopbank Ltd Memnagar branch” — the verified location pin for IFSC GSCB0USNC04 should appear at the top of the results.
2. Confirm the branch is open by calling 79-26461630 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC GSCB0USNC04 and your account number.

Verifying IFSC GSCB0USNC04 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm GSCB0USNC04 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 79-26461630.
• Visiting the bank's official branch locator page.

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 Saraspur Nagarik Coopbank Ltd Memnagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0USNC04, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0USNC04 belongs to The Gujarat State Cooperative Bank Limited's SARASPUR NAGARIK COOPBANK LTD MEMNAGAR branch, located at 1ST FLOORMANSI POINT OPP MARUTI COMPLEX SHUBHASH CHOWK GURUKUL ROAD… 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.