IFSC Code of The Gujarat State Cooperative Bank Limited, The Junagadh Jilla Sahakari Bank Ltd Bakharla Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Gujarat State Cooperative Bank Limited, THE JUNAGADH JILLA SAHAKARI BANK LTD BAKHARLA branch in BAKHARLA. The 11-digit IFSC GSCB0JND032 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 JUNAGADH JILLA SAHAKARI BANK LTD BAKHARLA 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 JUNAGADH JILLA SAHAKARI BANK LTD BAKHARLA is GSCB0JND032. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters JND032 map to this branch in BAKHARLA, 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 Junagadh Jilla Sahakari Bank Ltd Bakharla branch in Bakharla, Gujarat is part of this network and uses the IFSC code GSCB0JND032 for all electronic settlement.

The Junagadh Jilla Sahakari Bank Ltd Bakharla branch overview

Located at MAIN BAZAR, BAKHARLA. 360583, the The Junagadh Jilla Sahakari Bank Ltd Bakharla branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0JND032 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 JUNAGADH JILLA SAHAKARI BANK LTD BAKHARLA of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0JND032 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 GSCB0JND032 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 GSCB0JND032

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 GSCB0JND032 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE JUNAGADH JILLA SAHAKARI BANK LTD BAKHARLA using IFSC GSCB0JND032

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 GSCB0JND032, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE JUNAGADH JILLA SAHAKARI BANK LTD BAKHARLA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0JND032

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 JUNAGADH JILLA SAHAKARI BANK LTD BAKHARLA, ensure your bank's portal accepts IFSC GSCB0JND032 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 JUNAGADH JILLA SAHAKARI BANK LTD BAKHARLA, use IMPS. With IFSC GSCB0JND032 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 GSCB0JND032 for The Gujarat State Cooperative Bank Limited – THE JUNAGADH JILLA SAHAKARI BANK LTD BAKHARLA, 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 Junagadh Jilla Sahakari Bank Ltd Bakharla 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 JUNAGADH JILLA SAHAKARI BANK LTD BAKHARLA branch, the IFSC GSCB0JND032 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 Junagadh Jilla Sahakari Bank Ltd Bakharla branch is mapped to IFSC GSCB0JND032 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 GSCB0JND032.

Banking services available

The The Junagadh Jilla Sahakari Bank Ltd Bakharla branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 286-2277359.

• 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 GSCB0JND032

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 GSCB0JND032 and the account number together uniquely identify the The Junagadh Jilla Sahakari Bank Ltd Bakharla branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC GSCB0JND032

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 JUNAGADH JILLA SAHAKARI BANK LTD BAKHARLA 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 GSCB0JND032 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.

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 JUNAGADH JILLA SAHAKARI BANK LTD BAKHARLA:

• The IFSC is exactly GSCB0JND032 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 JUNAGADH JILLA SAHAKARI BANK LTD BAKHARLA 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 Junagadh Jilla Sahakari Bank Ltd Bakharla branch

The branch is located at MAIN BAZAR, BAKHARLA. 360583, which puts it inside Bakharla, the broader Porbandar 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 Junagadh Jilla Sahakari Bank Ltd Bakharla branch” — the verified location pin for IFSC GSCB0JND032 should appear at the top of the results.
2. Confirm the branch is open by calling 286-2277359 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 GSCB0JND032 and your account number.

Verifying IFSC GSCB0JND032 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 GSCB0JND032 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 286-2277359.
• 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 Junagadh Jilla Sahakari Bank Ltd Bakharla branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0JND032, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0JND032 belongs to The Gujarat State Cooperative Bank Limited's THE JUNAGADH JILLA SAHAKARI BANK LTD BAKHARLA branch, located at MAIN BAZAR, BAKHARLA. 360583 in BAKHARLA, 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.