IFSC Code of The Gujarat State Cooperative Bank Limited, Unjha Nagarik Sahakari Bank Ltd Branch, Gujarat

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, UNJHA NAGARIK SAHAKARI BANK LTD branch, located in AHMEDABAD, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0UUNJBL. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case GSCB0UUNJBL for The Gujarat State Cooperative Bank Limited – UNJHA NAGARIK SAHAKARI BANK LTD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 UNJHA NAGARIK SAHAKARI BANK LTD branch, the IFSC GSCB0UUNJBL breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and UUNJBL identifies this particular branch.

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 Unjha Nagarik Sahakari Bank Ltd branch — IFSC GSCB0UUNJBL — extends the bank's services to customers in and around Ahmedabad, Gujarat.

Unjha Nagarik Sahakari Bank Ltd branch overview

Located at UNJHA NAGARIK SAHAKARI BANK LTD,GUNJ BAZAR,UNJHA 384170. NORTH GUJARAT, the Unjha Nagarik Sahakari Bank Ltd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0UUNJBL 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 UNJHA NAGARIK SAHAKARI BANK LTD branch came to be assigned the code GSCB0UUNJBL.

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 GSCB0UUNJBL, money simply cannot be routed to the UNJHA NAGARIK SAHAKARI BANK LTD branch electronically.

How to transfer money using IFSC GSCB0UUNJBL

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 GSCB0UUNJBL across all three.

NEFT to The Gujarat State Cooperative Bank Limited, UNJHA NAGARIK SAHAKARI BANK LTD using IFSC GSCB0UUNJBL

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 GSCB0UUNJBL, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – UNJHA NAGARIK SAHAKARI BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to UNJHA NAGARIK SAHAKARI 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 UNJHA NAGARIK SAHAKARI BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0UUNJBL 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 – UNJHA NAGARIK SAHAKARI BANK LTD, use IMPS. With IFSC GSCB0UUNJBL 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 GSCB0UUNJBL for The Gujarat State Cooperative Bank Limited – UNJHA NAGARIK SAHAKARI BANK LTD, 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 Unjha Nagarik Sahakari Bank Ltd 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.

UPI payments and IFSC GSCB0UUNJBL

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 – UNJHA NAGARIK SAHAKARI BANK LTD is still mapped to IFSC GSCB0UUNJBL. 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 GSCB0UUNJBL and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Unjha Nagarik Sahakari Bank Ltd branch is mapped to IFSC GSCB0UUNJBL 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 GSCB0UUNJBL.

Products and services

Customers walking into the Unjha Nagarik Sahakari Bank Ltd 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 GSCB0UUNJBL

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 GSCB0UUNJBL and the account number together uniquely identify the Unjha Nagarik Sahakari Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC GSCB0UUNJBL

The Gujarat State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the UNJHA NAGARIK SAHAKARI BANK LTD 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 GSCB0UUNJBL 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.

Common mistakes to avoid when using IFSC GSCB0UUNJBL

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to The Gujarat State Cooperative Bank Limited – UNJHA NAGARIK SAHAKARI BANK LTD, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: GSCB0UUNJBL.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Unjha Nagarik Sahakari Bank Ltd branch sits at UNJHA NAGARIK SAHAKARI BANK LTD,GUNJ BAZAR,UNJHA 384170. NORTH GUJARAT. If you are travelling from outside Ahmedabad, search for the branch on a maps application using the bank name and locality, or call 2767-253731 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 GSCB0UUNJBL and your account number.

Verifying IFSC GSCB0UUNJBL 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 GSCB0UUNJBL by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2767-253731.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Unjha Nagarik Sahakari Bank Ltd 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 GSCB0UUNJBL continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0UUNJBL belongs to The Gujarat State Cooperative Bank Limited's UNJHA NAGARIK SAHAKARI BANK LTD branch, located at UNJHA NAGARIK SAHAKARI BANK LTD,GUNJ BAZAR,UNJHA 384170. NORTH GUJARAT 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.