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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Gujarat State Cooperative Bank Limited, THE KARNAVATI CO OP BANK LTD VASTRAPUR branch in AHMEDABAD. The 11-digit IFSC GSCB0UTKC04 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Gujarat State Cooperative Bank Limited at the THE KARNAVATI CO OP BANK LTD VASTRAPUR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 KARNAVATI CO OP BANK LTD VASTRAPUR is GSCB0UTKC04. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters UTKC04 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 Karnavati Co Op Bank Ltd Vastrapur branch in Ahmedabad, Gujarat is part of this network and uses the IFSC code GSCB0UTKC04 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at B 4 SATELLITE BUNGLOWS. It serves the Ahmedabad region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Gujarat State Cooperative Bank Limited. The IFSC GSCB0UTKC04 is used to identify this branch on the RBI payments network.

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 VASTRAPUR branch came to be assigned the code GSCB0UTKC04.

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 GSCB0UTKC04, money simply cannot be routed to the THE KARNAVATI CO OP BANK LTD VASTRAPUR branch electronically.

Products and account variants supported

Every account opened at the The Karnavati Co Op Bank Ltd Vastrapur branch is mapped to IFSC GSCB0UTKC04 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 GSCB0UTKC04.

Products and services

Customers walking into the The Karnavati Co Op Bank Ltd Vastrapur 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 GSCB0UTKC04

How to transfer money using IFSC GSCB0UTKC04

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 GSCB0UTKC04 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE KARNAVATI CO OP BANK LTD VASTRAPUR using IFSC GSCB0UTKC04

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 GSCB0UTKC04, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE KARNAVATI CO OP BANK LTD VASTRAPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE KARNAVATI CO OP BANK LTD VASTRAPUR

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 VASTRAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0UTKC04 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 VASTRAPUR, use IMPS. With IFSC GSCB0UTKC04 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 GSCB0UTKC04 for The Gujarat State Cooperative Bank Limited – THE KARNAVATI CO OP BANK LTD VASTRAPUR, 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 Vastrapur 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.

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 VASTRAPUR branch, the IFSC GSCB0UTKC04 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.

Online banking and IFSC GSCB0UTKC04

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 VASTRAPUR 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 GSCB0UTKC04 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.

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 GSCB0UTKC04 and the account number together uniquely identify the The Karnavati Co Op Bank Ltd Vastrapur 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 KARNAVATI CO OP BANK LTD VASTRAPUR:

• The IFSC is exactly GSCB0UTKC04 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 VASTRAPUR 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 Vastrapur branch sits at B 4 SATELLITE BUNGLOWS. If you are travelling from outside Ahmedabad, search for the branch on a maps application using the bank name and locality, or call 79-26761558 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 GSCB0UTKC04 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0UTKC04 for The Gujarat State Cooperative Bank Limited – THE KARNAVATI CO OP BANK LTD VASTRAPUR, 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 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 Vastrapur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0UTKC04, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0UTKC04 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE KARNAVATI CO OP BANK LTD VASTRAPUR branch, in AHMEDABAD, GUJARAT. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.