IFSC Code of The Gujarat State Cooperative Bank Limited, The Kosamba Merc Coop Bank Ltd Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's THE KOSAMBA MERC COOP BANK LTD branch in AHMEDABAD, GUJARAT. The branch's IFSC code GSCB0UKMCBL 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 KOSAMBA MERC COOP BANK LTD is GSCB0UKMCBL. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters UKMCBL map to this branch in AHMEDABAD, GUJARAT.

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 Kosamba Merc Coop Bank Ltd branch in Ahmedabad, Gujarat is part of this network and uses the IFSC code GSCB0UKMCBL for all electronic settlement.

About the The Kosamba Merc Coop Bank Ltd branch

The The Kosamba Merc Coop Bank Ltd branch of The Gujarat State Cooperative Bank Limited is situated at THE KOSAMBA MERCANTILE CO.OP.BANK LTD.SHREE NIDHI,TARSADI KOSAMBA R.S. 394120,TA.MANGROL,DIST.SURAT. 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 GSCB0UKMCBL 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 KOSAMBA MERC COOP BANK LTD branch came to be assigned the code GSCB0UKMCBL.

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 GSCB0UKMCBL, money simply cannot be routed to the THE KOSAMBA MERC COOP BANK LTD branch electronically.

How to transfer money using IFSC GSCB0UKMCBL

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 GSCB0UKMCBL across all three.

How to use IFSC GSCB0UKMCBL 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 KOSAMBA MERC COOP 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 GSCB0UKMCBL.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE KOSAMBA MERC COOP BANK LTD.
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 KOSAMBA MERC COOP BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE KOSAMBA MERC COOP BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0UKMCBL while initiating the transfer and the credit will appear within minutes.

IMPS to The Gujarat State Cooperative Bank Limited THE KOSAMBA MERC COOP BANK LTD (IFSC GSCB0UKMCBL)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0UKMCBL in your mobile or internet banking app, and the money is credited to the THE KOSAMBA MERC COOP BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Kosamba Merc Coop Bank Ltd

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 GSCB0UKMCBL:

• 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 KOSAMBA MERC COOP BANK LTD is still linked to IFSC GSCB0UKMCBL.

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 KOSAMBA MERC COOP BANK LTD branch, the IFSC GSCB0UKMCBL 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.

Account types you can open at the The Kosamba Merc Coop Bank Ltd branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE KOSAMBA MERC COOP BANK LTD, the IFSC GSCB0UKMCBL 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 Kosamba Merc Coop Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2629-232455.

• 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 GSCB0UKMCBL

MICR & cheque-truncation details

Cheques drawn on the The Kosamba Merc Coop Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0UKMCBL for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the The Kosamba Merc Coop 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 GSCB0UKMCBL 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 KOSAMBA MERC COOP BANK LTD:

• The IFSC is exactly GSCB0UKMCBL 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 KOSAMBA MERC COOP 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.

How to reach the The Kosamba Merc Coop Bank Ltd branch

The branch is located at THE KOSAMBA MERCANTILE CO.OP.BANK LTD.SHREE NIDHI,TARSADI KOSAMBA R.S. 394120,TA.MANGROL,DIST.SURAT, which puts it inside Ahmedabad, the broader Ahmadabad district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “The Gujarat State Cooperative Bank Limited The Kosamba Merc Coop Bank Ltd branch” — the verified location pin for IFSC GSCB0UKMCBL should appear at the top of the results.
2. Confirm the branch is open by calling 2629-232455 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC GSCB0UKMCBL and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0UKMCBL for The Gujarat State Cooperative Bank Limited – THE KOSAMBA MERC COOP BANK LTD, 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 Kosamba Merc Coop Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0UKMCBL, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0UKMCBL is the IFSC code of The Gujarat State Cooperative Bank Limited, THE KOSAMBA MERC COOP BANK LTD 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.