IFSC Code of The Gujarat State Cooperative Bank Limited, The Karjan 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 THE KARJAN NAGRIK SAHAKARI BANK LTD branch in AHMEDABAD, GUJARAT. The branch's IFSC code GSCB0UTKSBL 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Gujarat State Cooperative Bank Limited – THE KARJAN NAGRIK SAHAKARI BANK LTD is GSCB0UTKSBL. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters UTKSBL map to this branch in AHMEDABAD, GUJARAT.

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 Karjan Nagrik Sahakari Bank Ltd branch in Ahmedabad, Gujarat is part of this network and uses the IFSC code GSCB0UTKSBL for all electronic settlement.

Branch details at a glance

The Karjan Nagrik Sahakari Bank Ltd branch overview

Located at THE KARJAN NAGRIK SAHAKARI BANK LTD.,NAVA BAZAR,OPP.NILKANTHESHWAR MAHADEV,KARJAN 391 240 DIST.BARODA, the The Karjan Nagrik Sahakari Bank Ltd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0UTKSBL 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 KARJAN NAGRIK SAHAKARI BANK LTD of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0UTKSBL 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 GSCB0UTKSBL the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the The Karjan Nagrik Sahakari Bank Ltd branch is mapped to IFSC GSCB0UTKSBL 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 GSCB0UTKSBL.

Banking services available

The The Karjan Nagrik Sahakari Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2666-232415.

• 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 GSCB0UTKSBL

How to transfer money using IFSC GSCB0UTKSBL

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 GSCB0UTKSBL across all three.

How to use IFSC GSCB0UTKSBL 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 KARJAN NAGRIK SAHAKARI BANK LTD 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 GSCB0UTKSBL.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE KARJAN NAGRIK SAHAKARI BANK LTD.
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 GSCB0UTKSBL

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 – THE KARJAN NAGRIK SAHAKARI BANK LTD, ensure your bank's portal accepts IFSC GSCB0UTKSBL 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 – THE KARJAN NAGRIK SAHAKARI BANK LTD, use IMPS. With IFSC GSCB0UTKSBL 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 GSCB0UTKSBL for The Gujarat State Cooperative Bank Limited – THE KARJAN NAGRIK SAHAKARI BANK LTD, 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 Karjan Nagrik Sahakari Bank Ltd 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 GSCB0UTKSBL

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 KARJAN NAGRIK SAHAKARI BANK LTD is still mapped to IFSC GSCB0UTKSBL. 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 GSCB0UTKSBL and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the The Karjan Nagrik Sahakari Bank Ltd 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 GSCB0UTKSBL 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.

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 GSCB0UTKSBL and the account number together uniquely identify the The Karjan Nagrik Sahakari Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 KARJAN NAGRIK SAHAKARI BANK LTD:

• The IFSC is exactly GSCB0UTKSBL 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 KARJAN 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 The Karjan Nagrik Sahakari Bank Ltd branch sits at THE KARJAN NAGRIK SAHAKARI BANK LTD.,NAVA BAZAR,OPP.NILKANTHESHWAR MAHADEV,KARJAN 391 240 DIST.BARODA. If you are travelling from outside Ahmedabad, search for the branch on a maps application using the bank name and locality, or call 2666-232415 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 GSCB0UTKSBL and your account number.

Verifying IFSC GSCB0UTKSBL 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 GSCB0UTKSBL by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2666-232415.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Karjan Nagrik Sahakari Bank Ltd 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 GSCB0UTKSBL continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0UTKSBL belongs to The Gujarat State Cooperative Bank Limited's THE KARJAN NAGRIK SAHAKARI BANK LTD branch, located at THE KARJAN NAGRIK SAHAKARI BANK LTD.,NAVA BAZAR,OPP.NILKANTHESHWAR… 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.