IFSC Code of The Gujarat State Cooperative Bank Limited, Shree Bhavnagar Nagrik Sahakari Bank Ltd Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD branch in AHMEDABAD, GUJARAT. The branch's IFSC code GSCB0USBNBL is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD branch, the IFSC GSCB0USBNBL breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and USBNBL identifies this particular branch.

Branch details at a glance

About The Gujarat State Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the Shree Bhavnagar Nagrik Sahakari Bank Ltd 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, GSCB0USBNBL.

About the Shree Bhavnagar Nagrik Sahakari Bank Ltd branch

The Shree Bhavnagar Nagrik Sahakari Bank Ltd branch of The Gujarat State Cooperative Bank Limited is situated at SHREE BHAVNAGAR NAGRIK SAHKARI BANK LTD.14 GANGAJALIYA TALAV,BHAVNAGAR 364 001. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code GSCB0USBNBL is used.

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 SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0USBNBL 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 GSCB0USBNBL the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC GSCB0USBNBL

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 GSCB0USBNBL across all three.

NEFT to The Gujarat State Cooperative Bank Limited, SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD using IFSC GSCB0USBNBL

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 GSCB0USBNBL, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0USBNBL 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 – SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD, use IMPS. With IFSC GSCB0USBNBL 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 Shree Bhavnagar Nagrik Sahakari Bank Ltd

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 GSCB0USBNBL:

• 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 SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD is still linked to IFSC GSCB0USBNBL.

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 GSCB0USBNBL

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 – SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD is still mapped to IFSC GSCB0USBNBL. 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 GSCB0USBNBL and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Shree Bhavnagar Nagrik Sahakari Bank Ltd branch is mapped to IFSC GSCB0USBNBL 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 GSCB0USBNBL.

Banking services available

The Shree Bhavnagar Nagrik Sahakari Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 278-2513702.

• 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 GSCB0USBNBL

MICR & cheque-truncation details

Cheques drawn on the Shree Bhavnagar Nagrik Sahakari Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0USBNBL for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC GSCB0USBNBL

The Gujarat State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD 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 GSCB0USBNBL 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.

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 – SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD:

• The IFSC is exactly GSCB0USBNBL 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 SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD 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.

Reaching the branch

The Shree Bhavnagar Nagrik Sahakari Bank Ltd branch sits at SHREE BHAVNAGAR NAGRIK SAHKARI BANK LTD.14 GANGAJALIYA TALAV,BHAVNAGAR 364 001. If you are travelling from outside Ahmedabad, search for the branch on a maps application using the bank name and locality, or call 278-2513702 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 GSCB0USBNBL and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0USBNBL for The Gujarat State Cooperative Bank Limited – SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD, 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 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 Shree Bhavnagar Nagrik Sahakari Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0USBNBL, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0USBNBL belongs to The Gujarat State Cooperative Bank Limited's SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD branch, located at SHREE BHAVNAGAR NAGRIK SAHKARI BANK LTD.14 GANGAJALIYA TALAV,BHAVNAGAR 364 001 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.