IFSC Code of The Gujarat State Cooperative Bank Limited, The Karnavati Co Op Bank Ltd Odhav 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 ODHAV branch in AHMEDABAD, GUJARAT. The branch's IFSC code GSCB0UTKC03 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 ODHAV branch, the IFSC GSCB0UTKC03 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and UTKC03 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 Odhav branch in Ahmedabad, Gujarat is part of this network and uses the IFSC code GSCB0UTKC03 for all electronic settlement.

The Karnavati Co Op Bank Ltd Odhav branch overview

Located at 14 VK COMPLEX MANGALAM CINEMA ODHAV ROAD, the The Karnavati Co Op Bank Ltd Odhav branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0UTKC03 is required for all interbank electronic transfers routed through this branch.

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 ODHAV branch came to be assigned the code GSCB0UTKC03.

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 GSCB0UTKC03, money simply cannot be routed to the THE KARNAVATI CO OP BANK LTD ODHAV branch electronically.

How to transfer money using IFSC GSCB0UTKC03

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 GSCB0UTKC03 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE KARNAVATI CO OP BANK LTD ODHAV using IFSC GSCB0UTKC03

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 GSCB0UTKC03, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE KARNAVATI CO OP BANK LTD ODHAV. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0UTKC03

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 ODHAV, ensure your bank's portal accepts IFSC GSCB0UTKC03 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 KARNAVATI CO OP BANK LTD ODHAV, use IMPS. With IFSC GSCB0UTKC03 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 Odhav

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 GSCB0UTKC03:

• 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 ODHAV is still linked to IFSC GSCB0UTKC03.

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 ODHAV branch, the IFSC GSCB0UTKC03 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 Odhav branch is mapped to IFSC GSCB0UTKC03 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 GSCB0UTKC03.

Banking services available

The The Karnavati Co Op Bank Ltd Odhav branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 79-22975856.

• 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 GSCB0UTKC03

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 GSCB0UTKC03 and the account number together uniquely identify the The Karnavati Co Op Bank Ltd Odhav branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC GSCB0UTKC03

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 ODHAV 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 GSCB0UTKC03 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 KARNAVATI CO OP BANK LTD ODHAV:

• The IFSC is exactly GSCB0UTKC03 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 ODHAV 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 Odhav branch sits at 14 VK COMPLEX MANGALAM CINEMA ODHAV ROAD. If you are travelling from outside Ahmedabad, search for the branch on a maps application using the bank name and locality, or call 79-22975856 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 GSCB0UTKC03 and your account number.

Verifying IFSC GSCB0UTKC03 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 GSCB0UTKC03 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 79-22975856.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Karnavati Co Op Bank Ltd Odhav 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 GSCB0UTKC03 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0UTKC03 belongs to The Gujarat State Cooperative Bank Limited's THE KARNAVATI CO OP BANK LTD ODHAV branch, located at 14 VK COMPLEX MANGALAM CINEMA ODHAV 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.