IFSC Code of The Gujarat State Cooperative Bank Limited, Sardar Vallabhbhai Sahakari Bank Ltd Isanpur Branch, Gujarat

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, SARDAR VALLABHBHAI SAHAKARI BANK LTD ISANPUR branch, located in AHMEDABAD, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0USRD04. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case GSCB0USRD04 for The Gujarat State Cooperative Bank Limited – SARDAR VALLABHBHAI SAHAKARI BANK LTD ISANPUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, GSCB0USRD04 is the IFSC of The Gujarat State Cooperative Bank Limited's SARDAR VALLABHBHAI SAHAKARI BANK LTD ISANPUR branch. The format is fixed: GSCB = bank code, 0 = reserved, USRD04 = 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 Sardar Vallabhbhai Sahakari Bank Ltd Isanpur branch — IFSC GSCB0USRD04 — extends the bank's services to customers in and around Ahmedabad, Gujarat.

Sardar Vallabhbhai Sahakari Bank Ltd Isanpur branch overview

Located at RATAN SHOPING CENTER ISANPUR VATVA CROSS ROAD, the Sardar Vallabhbhai Sahakari Bank Ltd Isanpur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0USRD04 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 SARDAR VALLABHBHAI SAHAKARI BANK LTD ISANPUR of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0USRD04 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 GSCB0USRD04 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 GSCB0USRD04 and the account number together uniquely identify the Sardar Vallabhbhai Sahakari Bank Ltd Isanpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC GSCB0USRD04

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 GSCB0USRD04 across all three.

How to use IFSC GSCB0USRD04 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 SARDAR VALLABHBHAI SAHAKARI BANK LTD ISANPUR 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 GSCB0USRD04.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as SARDAR VALLABHBHAI SAHAKARI BANK LTD ISANPUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC GSCB0USRD04

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 – SARDAR VALLABHBHAI SAHAKARI BANK LTD ISANPUR, ensure your bank's portal accepts IFSC GSCB0USRD04 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Gujarat State Cooperative Bank Limited – SARDAR VALLABHBHAI SAHAKARI BANK LTD ISANPUR, use IMPS. With IFSC GSCB0USRD04 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 Sardar Vallabhbhai Sahakari Bank Ltd Isanpur

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 GSCB0USRD04:

• 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 SARDAR VALLABHBHAI SAHAKARI BANK LTD ISANPUR is still linked to IFSC GSCB0USRD04.

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 GSCB0USRD04

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 – SARDAR VALLABHBHAI SAHAKARI BANK LTD ISANPUR is still mapped to IFSC GSCB0USRD04. 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 GSCB0USRD04 and the beneficiary's account number to complete the transfer.

Account types you can open at the Sardar Vallabhbhai Sahakari Bank Ltd Isanpur branch

Once you have an account at The Gujarat State Cooperative Bank Limited – SARDAR VALLABHBHAI SAHAKARI BANK LTD ISANPUR, the IFSC GSCB0USRD04 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 Sardar Vallabhbhai Sahakari Bank Ltd Isanpur 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 GSCB0USRD04

Online banking and IFSC GSCB0USRD04

The Gujarat State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SARDAR VALLABHBHAI SAHAKARI BANK LTD ISANPUR 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 GSCB0USRD04 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 Sardar Vallabhbhai Sahakari Bank Ltd Isanpur branch

The branch is located at RATAN SHOPING CENTER ISANPUR VATVA CROSS ROAD, 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 Sardar Vallabhbhai Sahakari Bank Ltd Isanpur branch” — the verified location pin for IFSC GSCB0USRD04 should appear at the top of the results.
2. Confirm the branch is open by calling 79-25894645 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 GSCB0USRD04 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 – SARDAR VALLABHBHAI SAHAKARI BANK LTD ISANPUR:

• The IFSC is exactly GSCB0USRD04 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 SARDAR VALLABHBHAI SAHAKARI BANK LTD ISANPUR 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 Sardar Vallabhbhai Sahakari Bank Ltd Isanpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0USRD04, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0USRD04 for The Gujarat State Cooperative Bank Limited – SARDAR VALLABHBHAI SAHAKARI BANK LTD ISANPUR, 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

Final notes

To recap: GSCB0USRD04 is the IFSC code of The Gujarat State Cooperative Bank Limited, SARDAR VALLABHBHAI SAHAKARI BANK LTD ISANPUR branch, in AHMEDABAD, GUJARAT. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.