IFSC Code of The Gujarat State Cooperative Bank Limited, The Karnavati Co Op Bank Ltd Bapunagar Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's THE KARNAVATI CO OP BANK LTD BAPUNAGAR branch in AHMEDABAD, GUJARAT. The branch's IFSC code GSCB0UTKC01 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 THE KARNAVATI CO OP BANK LTD BAPUNAGAR branch, the IFSC GSCB0UTKC01 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and UTKC01 identifies this particular branch.

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 Karnavati Co Op Bank Ltd Bapunagar branch in Ahmedabad, Gujarat is part of this network and uses the IFSC code GSCB0UTKC01 for all electronic settlement.

About the The Karnavati Co Op Bank Ltd Bapunagar branch

The The Karnavati Co Op Bank Ltd Bapunagar branch of The Gujarat State Cooperative Bank Limited is situated at B2 GF RADHARAMAN COMPLEX NR KHODIYAR NAGAR BAPUNAGAR. 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 GSCB0UTKC01 is used.

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 THE KARNAVATI CO OP BANK LTD BAPUNAGAR branch came to be assigned the code GSCB0UTKC01.

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 GSCB0UTKC01, money simply cannot be routed to the THE KARNAVATI CO OP BANK LTD BAPUNAGAR branch electronically.

How to transfer money using IFSC GSCB0UTKC01

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 GSCB0UTKC01 across all three.

How to use IFSC GSCB0UTKC01 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 KARNAVATI CO OP BANK LTD BAPUNAGAR 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 GSCB0UTKC01.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE KARNAVATI CO OP BANK LTD BAPUNAGAR.
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 KARNAVATI CO OP BANK LTD BAPUNAGAR

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE KARNAVATI CO OP BANK LTD BAPUNAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0UTKC01 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 KARNAVATI CO OP BANK LTD BAPUNAGAR, use IMPS. With IFSC GSCB0UTKC01 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 The Karnavati Co Op Bank Ltd Bapunagar

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 GSCB0UTKC01:

• 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 THE KARNAVATI CO OP BANK LTD BAPUNAGAR is still linked to IFSC GSCB0UTKC01.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at The Gujarat State Cooperative Bank Limited's THE KARNAVATI CO OP BANK LTD BAPUNAGAR branch, the IFSC GSCB0UTKC01 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the The Karnavati Co Op Bank Ltd Bapunagar branch is mapped to IFSC GSCB0UTKC01 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 GSCB0UTKC01.

Products and services

Customers walking into the The Karnavati Co Op Bank Ltd Bapunagar 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 GSCB0UTKC01

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 GSCB0UTKC01 and the account number together uniquely identify the The Karnavati Co Op Bank Ltd Bapunagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the The Karnavati Co Op Bank Ltd Bapunagar 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 GSCB0UTKC01 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.

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 KARNAVATI CO OP BANK LTD BAPUNAGAR:

• The IFSC is exactly GSCB0UTKC01 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 KARNAVATI CO OP BANK LTD BAPUNAGAR 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 Karnavati Co Op Bank Ltd Bapunagar branch sits at B2 GF RADHARAMAN COMPLEX NR KHODIYAR NAGAR BAPUNAGAR. If you are travelling from outside Ahmedabad, search for the branch on a maps application using the bank name and locality, or call 79-22973382 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 GSCB0UTKC01 and your account number.

Verifying IFSC GSCB0UTKC01 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 GSCB0UTKC01 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 79-22973382.
• 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 Karnavati Co Op Bank Ltd Bapunagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0UTKC01, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0UTKC01 belongs to The Gujarat State Cooperative Bank Limited's THE KARNAVATI CO OP BANK LTD BAPUNAGAR branch, located at B2 GF RADHARAMAN COMPLEX NR KHODIYAR NAGAR BAPUNAGAR 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.