IFSC Code of The Gujarat State Cooperative Bank Limited, The Bhuj Mercantile Coop Bank Ltd Head Office Branch, Gujarat

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, THE BHUJ MERCANTILE COOP BANK LTD HEAD OFFICE branch, located in AHMEDABAD, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0UTBM01. 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 GSCB0UTBM01 for The Gujarat State Cooperative Bank Limited – THE BHUJ MERCANTILE COOP BANK LTD HEAD OFFICE — 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, GSCB0UTBM01 is the IFSC of The Gujarat State Cooperative Bank Limited's THE BHUJ MERCANTILE COOP BANK LTD HEAD OFFICE branch. The format is fixed: GSCB = bank code, 0 = reserved, UTBM01 = branch identifier.

Branch details at a glance

About the bank

The Gujarat State Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Bhuj Mercantile Coop Bank Ltd Head Office branch in Ahmedabad, Gujarat is part of this network and uses the IFSC code GSCB0UTBM01 for all electronic settlement.

The Bhuj Mercantile Coop Bank Ltd Head Office branch overview

Located at VYAPAR BHAVAN, MITHAKHALI SIX ROADS AHMEDABAD 380006, the The Bhuj Mercantile Coop Bank Ltd Head Office branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0UTBM01 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 THE BHUJ MERCANTILE COOP BANK LTD HEAD OFFICE of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0UTBM01 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 GSCB0UTBM01 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 GSCB0UTBM01

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 GSCB0UTBM01 across all three.

How to use IFSC GSCB0UTBM01 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 THE BHUJ MERCANTILE COOP BANK LTD HEAD OFFICE 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 GSCB0UTBM01.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE BHUJ MERCANTILE COOP BANK LTD HEAD OFFICE.
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 THE BHUJ MERCANTILE COOP BANK LTD HEAD OFFICE

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE BHUJ MERCANTILE COOP BANK LTD HEAD OFFICE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0UTBM01 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 – THE BHUJ MERCANTILE COOP BANK LTD HEAD OFFICE, use IMPS. With IFSC GSCB0UTBM01 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC GSCB0UTBM01 for The Gujarat State Cooperative Bank Limited – THE BHUJ MERCANTILE COOP BANK LTD HEAD OFFICE, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the The Bhuj Mercantile Coop Bank Ltd Head Office branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC GSCB0UTBM01

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 – THE BHUJ MERCANTILE COOP BANK LTD HEAD OFFICE is still mapped to IFSC GSCB0UTBM01. 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 GSCB0UTBM01 and the beneficiary's account number to complete the transfer.

Account types you can open at the The Bhuj Mercantile Coop Bank Ltd Head Office branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE BHUJ MERCANTILE COOP BANK LTD HEAD OFFICE, the IFSC GSCB0UTBM01 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 The Bhuj Mercantile Coop Bank Ltd Head Office 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 GSCB0UTBM01

MICR & cheque-truncation details

Cheques drawn on the The Bhuj Mercantile Coop Bank Ltd Head Office branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0UTBM01 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC GSCB0UTBM01

The Gujarat State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the THE BHUJ MERCANTILE COOP BANK LTD HEAD OFFICE 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 GSCB0UTBM01 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 – THE BHUJ MERCANTILE COOP BANK LTD HEAD OFFICE:

• The IFSC is exactly GSCB0UTBM01 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 THE BHUJ MERCANTILE COOP BANK LTD HEAD OFFICE 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 The Bhuj Mercantile Coop Bank Ltd Head Office branch

The branch is located at VYAPAR BHAVAN, MITHAKHALI SIX ROADS AHMEDABAD 380006, 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 The Bhuj Mercantile Coop Bank Ltd Head Office branch” — the verified location pin for IFSC GSCB0UTBM01 should appear at the top of the results.
2. Confirm the branch is open by calling 79-26400969 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 GSCB0UTBM01 and your account number.

Verifying IFSC GSCB0UTBM01 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 GSCB0UTBM01 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 79-26400969.
• 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 The Bhuj Mercantile Coop Bank Ltd Head Office branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0UTBM01, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0UTBM01 belongs to The Gujarat State Cooperative Bank Limited's THE BHUJ MERCANTILE COOP BANK LTD HEAD OFFICE branch, located at VYAPAR BHAVAN, MITHAKHALI SIX ROADS AHMEDABAD 380006 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.