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

If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, SARASPUR NAGARIK COOPBANK LTD NIKOL branch in AHMEDABAD, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0USNC12. 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 NIKOL branch, and detailed step-by-step guides for using the IFSC GSCB0USNC12 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For The Gujarat State Cooperative Bank Limited's SARASPUR NAGARIK COOPBANK LTD NIKOL branch, the IFSC GSCB0USNC12 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and USNC12 identifies this particular branch.

About The Gujarat State Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the Saraspur Nagarik Coopbank Ltd Nikol branch in Ahmedabad. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, GSCB0USNC12.

About this branch

The branch is located at 12 GROUND FLOORSHYAM ARCED BUSINESS HUBGANGOTRI CIRCLEVRUNDAVAN PARTY PLOT ROADNIKOL AHMEDABAD382350. It serves the Ahmedabad region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Gujarat State Cooperative Bank Limited. The IFSC GSCB0USNC12 is used to identify this branch on the RBI payments network.

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 SARASPUR NAGARIK COOPBANK LTD NIKOL of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0USNC12 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 GSCB0USNC12 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 GSCB0USNC12 and the account number together uniquely identify the Saraspur Nagarik Coopbank Ltd Nikol branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC GSCB0USNC12

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 GSCB0USNC12 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, SARASPUR NAGARIK COOPBANK LTD NIKOL using IFSC GSCB0USNC12

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC GSCB0USNC12, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – SARASPUR NAGARIK COOPBANK LTD NIKOL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0USNC12

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to The Gujarat State Cooperative Bank Limited – SARASPUR NAGARIK COOPBANK LTD NIKOL, ensure your bank's portal accepts IFSC GSCB0USNC12 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited SARASPUR NAGARIK COOPBANK LTD NIKOL (IFSC GSCB0USNC12)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0USNC12 in your mobile or internet banking app, and the money is credited to the SARASPUR NAGARIK COOPBANK LTD NIKOL branch account within seconds.

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

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 GSCB0USNC12:

• 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 NIKOL is still linked to IFSC GSCB0USNC12.

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 NIKOL branch, the IFSC GSCB0USNC12 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.

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

Once you have an account at The Gujarat State Cooperative Bank Limited – SARASPUR NAGARIK COOPBANK LTD NIKOL, the IFSC GSCB0USNC12 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.

Products and services

Customers walking into the Saraspur Nagarik Coopbank Ltd Nikol 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 GSCB0USNC12

Online banking and IFSC GSCB0USNC12

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 NIKOL 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 GSCB0USNC12 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.

How to reach the Saraspur Nagarik Coopbank Ltd Nikol branch

The branch is located at 12 GROUND FLOORSHYAM ARCED BUSINESS HUBGANGOTRI CIRCLEVRUNDAVAN PARTY PLOT ROADNIKOL AHMEDABAD382350, 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 Nikol branch” — the verified location pin for IFSC GSCB0USNC12 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 GSCB0USNC12 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 – SARASPUR NAGARIK COOPBANK LTD NIKOL:

• The IFSC is exactly GSCB0USNC12 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 NIKOL 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 Saraspur Nagarik Coopbank Ltd Nikol branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0USNC12, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0USNC12 for The Gujarat State Cooperative Bank Limited – SARASPUR NAGARIK COOPBANK LTD NIKOL, 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 GSCB0USNC12 belongs to The Gujarat State Cooperative Bank Limited's SARASPUR NAGARIK COOPBANK LTD NIKOL branch, located at 12 GROUND FLOORSHYAM ARCED BUSINESS HUBGANGOTRI CIRCLEVRUNDAVAN PARTY PLOT… 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.