IFSC Code of The Gujarat State Cooperative Bank Limited, The Saurashtra Co.Operative Bank Ltd Nava Naroda Branch Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's THE SAURASHTRA CO.OPERATIVE BANK LTD NAVA NARODA BRANCH branch in AHMEDABAD, GUJARAT. The branch's IFSC code GSCB0USAU05 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 SAURASHTRA CO.OPERATIVE BANK LTD NAVA NARODA BRANCH is GSCB0USAU05. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters USAU05 map to this branch in AHMEDABAD, GUJARAT.

Branch details at a glance

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 Saurashtra Co.Operative Bank Ltd Nava Naroda Branch branch — IFSC GSCB0USAU05 — extends the bank's services to customers in and around Ahmedabad, Gujarat.

The Saurashtra Co.Operative Bank Ltd Nava Naroda Branch branch overview

Located at SHOP 21 22 GROUND FLOOR NARODA BUSINESS POINT OPP SWAMINARAYAN PARK NAVA NARODA, the The Saurashtra Co.Operative Bank Ltd Nava Naroda Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0USAU05 is required for all interbank electronic transfers routed through this branch.

Why every The Gujarat State Cooperative Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including THE SAURASHTRA CO.OPERATIVE BANK LTD NAVA NARODA BRANCH of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0USAU05 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC GSCB0USAU05 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC GSCB0USAU05

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 GSCB0USAU05 across all three.

How to use IFSC GSCB0USAU05 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 SAURASHTRA CO.OPERATIVE BANK LTD NAVA NARODA BRANCH 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 GSCB0USAU05.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE SAURASHTRA CO.OPERATIVE BANK LTD NAVA NARODA BRANCH.
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 GSCB0USAU05

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 SAURASHTRA CO.OPERATIVE BANK LTD NAVA NARODA BRANCH, ensure your bank's portal accepts IFSC GSCB0USAU05 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited THE SAURASHTRA CO.OPERATIVE BANK LTD NAVA NARODA BRANCH (IFSC GSCB0USAU05)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0USAU05 in your mobile or internet banking app, and the money is credited to the THE SAURASHTRA CO.OPERATIVE BANK LTD NAVA NARODA BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Saurashtra Co.Operative Bank Ltd Nava Naroda Branch

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 GSCB0USAU05:

• 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 SAURASHTRA CO.OPERATIVE BANK LTD NAVA NARODA BRANCH is still linked to IFSC GSCB0USAU05.

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 SAURASHTRA CO.OPERATIVE BANK LTD NAVA NARODA BRANCH branch, the IFSC GSCB0USAU05 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 Saurashtra Co.Operative Bank Ltd Nava Naroda Branch branch is mapped to IFSC GSCB0USAU05 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 GSCB0USAU05.

Products and services

Customers walking into the The Saurashtra Co.Operative Bank Ltd Nava Naroda Branch 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 GSCB0USAU05

MICR & cheque-truncation details

Cheques drawn on the The Saurashtra Co.Operative Bank Ltd Nava Naroda Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0USAU05 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 Saurashtra Co.Operative Bank Ltd Nava Naroda Branch 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 GSCB0USAU05 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 SAURASHTRA CO.OPERATIVE BANK LTD NAVA NARODA BRANCH:

• The IFSC is exactly GSCB0USAU05 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 SAURASHTRA CO.OPERATIVE BANK LTD NAVA NARODA BRANCH 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 Saurashtra Co.Operative Bank Ltd Nava Naroda Branch branch sits at SHOP 21 22 GROUND FLOOR NARODA BUSINESS POINT OPP SWAMINARAYAN PARK NAVA NARODA. If you are travelling from outside Ahmedabad, search for the branch on a maps application using the bank name and locality, or call 79-35219758 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 GSCB0USAU05 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0USAU05 for The Gujarat State Cooperative Bank Limited – THE SAURASHTRA CO.OPERATIVE BANK LTD NAVA NARODA BRANCH, 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 Saurashtra Co.Operative Bank Ltd Nava Naroda Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0USAU05, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0USAU05 belongs to The Gujarat State Cooperative Bank Limited's THE SAURASHTRA CO.OPERATIVE BANK LTD NAVA NARODA BRANCH branch, located at SHOP 21 22 GROUND FLOOR NARODA BUSINESS POINT OPP SWAMINARAYAN PARK NAVA NARODA 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.