IFSC Code of The Gujarat State Cooperative Bank Limited, The Union Co Op Bank Ltd Kathlal Branch, Gujarat

If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, THE UNION CO OP BANK LTD KATHLAL branch in AHMEDABAD, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0UUNI03. 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 UNION CO OP BANK LTD KATHLAL branch, and detailed step-by-step guides for using the IFSC GSCB0UUNI03 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.

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 UNION CO OP BANK LTD KATHLAL is GSCB0UUNI03. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters UUNI03 map to this branch in AHMEDABAD, GUJARAT.

About The Gujarat State Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the The Union Co Op Bank Ltd Kathlal branch in Ahmedabad. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, GSCB0UUNI03.

Branch details at a glance

About the The Union Co Op Bank Ltd Kathlal branch

The The Union Co Op Bank Ltd Kathlal branch of The Gujarat State Cooperative Bank Limited is situated at 1ST FLOOR ASHIRWAD COMPLEX STATION ROAD BH ST BUS STAND KATHLAL. 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 GSCB0UUNI03 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 UNION CO OP BANK LTD KATHLAL branch came to be assigned the code GSCB0UUNI03.

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 GSCB0UUNI03, money simply cannot be routed to the THE UNION CO OP BANK LTD KATHLAL branch electronically.

Products and account variants supported

Every account opened at the The Union Co Op Bank Ltd Kathlal branch is mapped to IFSC GSCB0UUNI03 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 GSCB0UUNI03.

Banking services available

The The Union Co Op Bank Ltd Kathlal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 79-244802.

• 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 GSCB0UUNI03

How to transfer money using IFSC GSCB0UUNI03

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 GSCB0UUNI03 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE UNION CO OP BANK LTD KATHLAL using IFSC GSCB0UUNI03

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 GSCB0UUNI03, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE UNION CO OP BANK LTD KATHLAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0UUNI03

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 UNION CO OP BANK LTD KATHLAL, ensure your bank's portal accepts IFSC GSCB0UUNI03 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 UNION CO OP BANK LTD KATHLAL, use IMPS. With IFSC GSCB0UUNI03 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 Union Co Op Bank Ltd Kathlal

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 GSCB0UUNI03:

• 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 UNION CO OP BANK LTD KATHLAL is still linked to IFSC GSCB0UUNI03.

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.

UPI payments and IFSC GSCB0UUNI03

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 UNION CO OP BANK LTD KATHLAL is still mapped to IFSC GSCB0UUNI03. 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 GSCB0UUNI03 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the The Union Co Op Bank Ltd Kathlal 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 GSCB0UUNI03 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.

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 GSCB0UUNI03 and the account number together uniquely identify the The Union Co Op Bank Ltd Kathlal 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 UNION CO OP BANK LTD KATHLAL:

• The IFSC is exactly GSCB0UUNI03 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 UNION CO OP BANK LTD KATHLAL 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 Union Co Op Bank Ltd Kathlal branch sits at 1ST FLOOR ASHIRWAD COMPLEX STATION ROAD BH ST BUS STAND KATHLAL. If you are travelling from outside Ahmedabad, search for the branch on a maps application using the bank name and locality, or call 79-244802 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 GSCB0UUNI03 and your account number.

Verifying IFSC GSCB0UUNI03 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 GSCB0UUNI03 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 79-244802.
• Visiting the bank's official branch locator page.

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 Union Co Op Bank Ltd Kathlal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0UUNI03, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0UUNI03 belongs to The Gujarat State Cooperative Bank Limited's THE UNION CO OP BANK LTD KATHLAL branch, located at 1ST FLOOR ASHIRWAD COMPLEX STATION ROAD BH ST BUS STAND KATHLAL 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.