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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Gujarat State Cooperative Bank Limited, SARASPUR NAGARIK COOPBANK LTD VASTRAL branch in AHMEDABAD. The 11-digit IFSC GSCB0USNC03 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 SARASPUR NAGARIK COOPBANK LTD VASTRAL 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, GSCB0USNC03 is the IFSC of The Gujarat State Cooperative Bank Limited's SARASPUR NAGARIK COOPBANK LTD VASTRAL branch. The format is fixed: GSCB = bank code, 0 = reserved, USNC03 = branch identifier.

Branch details at a glance

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 Vastral branch — IFSC GSCB0USNC03 — extends the bank's services to customers in and around Ahmedabad, Gujarat.

About this branch

The branch is located at 1KRISHNA COMPLEXNEAR WONDERPOINT NR HP PETROLPUMP NATIONAL HIGHWAY NO 8 AMRAIWADI AHMEDABAD380026. 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 GSCB0USNC03 is used to identify this branch on the RBI payments network.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how The Gujarat State Cooperative Bank Limited's SARASPUR NAGARIK COOPBANK LTD VASTRAL branch came to be assigned the code GSCB0USNC03.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC GSCB0USNC03, money simply cannot be routed to the SARASPUR NAGARIK COOPBANK LTD VASTRAL branch electronically.

How to transfer money using IFSC GSCB0USNC03

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 GSCB0USNC03 across all three.

How to use IFSC GSCB0USNC03 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 VASTRAL 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 GSCB0USNC03.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as SARASPUR NAGARIK COOPBANK LTD VASTRAL.
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 VASTRAL

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 VASTRAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0USNC03 while initiating the transfer and the credit will appear within minutes.

IMPS to The Gujarat State Cooperative Bank Limited SARASPUR NAGARIK COOPBANK LTD VASTRAL (IFSC GSCB0USNC03)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0USNC03 in your mobile or internet banking app, and the money is credited to the SARASPUR NAGARIK COOPBANK LTD VASTRAL branch account within seconds.

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

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 GSCB0USNC03:

• 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 VASTRAL is still linked to IFSC GSCB0USNC03.

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 GSCB0USNC03

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 – SARASPUR NAGARIK COOPBANK LTD VASTRAL is still mapped to IFSC GSCB0USNC03. 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 GSCB0USNC03 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Saraspur Nagarik Coopbank Ltd Vastral branch is mapped to IFSC GSCB0USNC03 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 GSCB0USNC03.

Banking services available

The Saraspur Nagarik Coopbank Ltd Vastral 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 GSCB0USNC03

MICR & cheque-truncation details

Cheques drawn on the Saraspur Nagarik Coopbank Ltd Vastral branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0USNC03 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Saraspur Nagarik Coopbank Ltd Vastral 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 GSCB0USNC03 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.

Common mistakes to avoid when using IFSC GSCB0USNC03

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to The Gujarat State Cooperative Bank Limited – SARASPUR NAGARIK COOPBANK LTD VASTRAL, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: GSCB0USNC03.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Saraspur Nagarik Coopbank Ltd Vastral branch

The branch is located at 1KRISHNA COMPLEXNEAR WONDERPOINT NR HP PETROLPUMP NATIONAL HIGHWAY NO 8 AMRAIWADI AHMEDABAD380026, 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 Vastral branch” — the verified location pin for IFSC GSCB0USNC03 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 GSCB0USNC03 and your account number.

Verifying IFSC GSCB0USNC03 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 GSCB0USNC03 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.

Working hours

Branch counters at Saraspur Nagarik Coopbank Ltd Vastral are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to GSCB0USNC03 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0USNC03 belongs to The Gujarat State Cooperative Bank Limited's SARASPUR NAGARIK COOPBANK LTD VASTRAL branch, located at 1KRISHNA COMPLEXNEAR WONDERPOINT NR HP PETROLPUMP NATIONAL HIGHWAY NO 8… 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.