IFSC Code of The Gujarat State Cooperative Bank Limited, The Bardoli Nagrik Sahakari Bank Ltd. - Gandhi Road Branch, Gujarat

If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, THE BARDOLI NAGRIK SAHAKARI BANK LTD. - GANDHI ROAD branch in BARDOLI, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0UTBN02. 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 BARDOLI NAGRIK SAHAKARI BANK LTD. - GANDHI ROAD branch, and detailed step-by-step guides for using the IFSC GSCB0UTBN02 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 BARDOLI NAGRIK SAHAKARI BANK LTD. - GANDHI ROAD is GSCB0UTBN02. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters UTBN02 map to this branch in BARDOLI, 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 Bardoli Nagrik Sahakari Bank Ltd. - Gandhi Road branch in Bardoli. 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, GSCB0UTBN02.

Branch details at a glance

About this branch

The branch is located at DESAI MARKET, GANDHI ROAD, BARDOLI-394 601.. It serves the Bardoli region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Gujarat State Cooperative Bank Limited. The IFSC GSCB0UTBN02 is used to identify this branch on the RBI payments network.

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 BARDOLI NAGRIK SAHAKARI BANK LTD. - GANDHI ROAD of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0UTBN02 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 GSCB0UTBN02 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the The Bardoli Nagrik Sahakari Bank Ltd. - Gandhi Road branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE BARDOLI NAGRIK SAHAKARI BANK LTD. - GANDHI ROAD, the IFSC GSCB0UTBN02 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 Bardoli Nagrik Sahakari Bank Ltd. - Gandhi Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2622-222238.

• 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 GSCB0UTBN02

How to transfer money using IFSC GSCB0UTBN02

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 GSCB0UTBN02 across all three.

How to use IFSC GSCB0UTBN02 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 BARDOLI NAGRIK SAHAKARI BANK LTD. - GANDHI ROAD 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 GSCB0UTBN02.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE BARDOLI NAGRIK SAHAKARI BANK LTD. - GANDHI ROAD.
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 GSCB0UTBN02

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 BARDOLI NAGRIK SAHAKARI BANK LTD. - GANDHI ROAD, ensure your bank's portal accepts IFSC GSCB0UTBN02 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 BARDOLI NAGRIK SAHAKARI BANK LTD. - GANDHI ROAD, use IMPS. With IFSC GSCB0UTBN02 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 Bardoli Nagrik Sahakari Bank Ltd. - Gandhi Road

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 GSCB0UTBN02:

• 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 BARDOLI NAGRIK SAHAKARI BANK LTD. - GANDHI ROAD is still linked to IFSC GSCB0UTBN02.

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 GSCB0UTBN02

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 BARDOLI NAGRIK SAHAKARI BANK LTD. - GANDHI ROAD is still mapped to IFSC GSCB0UTBN02. 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 GSCB0UTBN02 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 Bardoli Nagrik Sahakari Bank Ltd. - Gandhi Road 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 GSCB0UTBN02 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 GSCB0UTBN02 and the account number together uniquely identify the The Bardoli Nagrik Sahakari Bank Ltd. - Gandhi Road 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 BARDOLI NAGRIK SAHAKARI BANK LTD. - GANDHI ROAD:

• The IFSC is exactly GSCB0UTBN02 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 BARDOLI NAGRIK SAHAKARI BANK LTD. - GANDHI ROAD 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 Bardoli Nagrik Sahakari Bank Ltd. - Gandhi Road branch

The branch is located at DESAI MARKET, GANDHI ROAD, BARDOLI-394 601., which puts it inside Bardoli, the broader Surat 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 Bardoli Nagrik Sahakari Bank Ltd. - Gandhi Road branch” — the verified location pin for IFSC GSCB0UTBN02 should appear at the top of the results.
2. Confirm the branch is open by calling 2622-222238 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 GSCB0UTBN02 and your account number.

Verifying IFSC GSCB0UTBN02 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 GSCB0UTBN02 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2622-222238.
• 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 Bardoli Nagrik Sahakari Bank Ltd. - Gandhi Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0UTBN02, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0UTBN02 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE BARDOLI NAGRIK SAHAKARI BANK LTD. - GANDHI ROAD branch, in BARDOLI, 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.