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

If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, THE KARNAVATI CO OP BANK LTD NIKOL branch in AHMEDABAD, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0UTKC02. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the THE KARNAVATI CO OP BANK LTD NIKOL branch, and detailed step-by-step guides for using the IFSC GSCB0UTKC02 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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, GSCB0UTKC02 is the IFSC of The Gujarat State Cooperative Bank Limited's THE KARNAVATI CO OP BANK LTD NIKOL branch. The format is fixed: GSCB = bank code, 0 = reserved, UTKC02 = 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 The Karnavati Co Op Bank Ltd Nikol branch — IFSC GSCB0UTKC02 — extends the bank's services to customers in and around Ahmedabad, Gujarat.

About the The Karnavati Co Op Bank Ltd Nikol branch

The The Karnavati Co Op Bank Ltd Nikol branch of The Gujarat State Cooperative Bank Limited is situated at B 58 SARDARPATEL MALL NIKOL GAM ROAD. 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 GSCB0UTKC02 is used.

Branch details at a glance

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 NIKOL branch came to be assigned the code GSCB0UTKC02.

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 GSCB0UTKC02, money simply cannot be routed to the THE KARNAVATI CO OP BANK LTD NIKOL branch electronically.

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 GSCB0UTKC02 and the account number together uniquely identify the The Karnavati Co Op Bank Ltd Nikol branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC GSCB0UTKC02

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 GSCB0UTKC02 across all three.

How to use IFSC GSCB0UTKC02 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 NIKOL 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 GSCB0UTKC02.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE KARNAVATI CO OP BANK LTD NIKOL.
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 GSCB0UTKC02

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 KARNAVATI CO OP BANK LTD NIKOL, ensure your bank's portal accepts IFSC GSCB0UTKC02 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited THE KARNAVATI CO OP BANK LTD NIKOL (IFSC GSCB0UTKC02)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0UTKC02 in your mobile or internet banking app, and the money is credited to the THE KARNAVATI CO OP BANK LTD NIKOL branch account within seconds.

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

All three modes accept the IFSC GSCB0UTKC02 for The Gujarat State Cooperative Bank Limited – THE KARNAVATI CO OP BANK LTD NIKOL, 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 Karnavati Co Op Bank Ltd Nikol 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 GSCB0UTKC02

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 KARNAVATI CO OP BANK LTD NIKOL is still mapped to IFSC GSCB0UTKC02. 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 GSCB0UTKC02 and the beneficiary's account number to complete the transfer.

Account types you can open at the The Karnavati Co Op Bank Ltd Nikol branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE KARNAVATI CO OP BANK LTD NIKOL, the IFSC GSCB0UTKC02 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.

Banking services available

The The Karnavati Co Op Bank Ltd Nikol branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 79-22704764.

• 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 GSCB0UTKC02

Online banking and IFSC GSCB0UTKC02

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 KARNAVATI CO OP BANK LTD NIKOL 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 GSCB0UTKC02 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.

Reaching the branch

The The Karnavati Co Op Bank Ltd Nikol branch sits at B 58 SARDARPATEL MALL NIKOL GAM ROAD. If you are travelling from outside Ahmedabad, search for the branch on a maps application using the bank name and locality, or call 79-22704764 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 GSCB0UTKC02 and your account number.

Common mistakes to avoid when using IFSC GSCB0UTKC02

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to The Gujarat State Cooperative Bank Limited – THE KARNAVATI CO OP BANK LTD NIKOL, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: GSCB0UTKC02.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Working hours

Branch counters at The Karnavati Co Op Bank Ltd Nikol 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 GSCB0UTKC02 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0UTKC02 for The Gujarat State Cooperative Bank Limited – THE KARNAVATI CO OP BANK LTD NIKOL, 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

Summary

The IFSC code GSCB0UTKC02 belongs to The Gujarat State Cooperative Bank Limited's THE KARNAVATI CO OP BANK LTD NIKOL branch, located at B 58 SARDARPATEL MALL NIKOL GAM ROAD 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.