Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's THE SABARKANTHA DIST CEN CO OP BANK LTD LIMB branch in BAYAD, GUJARAT. The branch's IFSC code GSCB0SKB132 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, GSCB0SKB132 is the IFSC of The Gujarat State Cooperative Bank Limited's THE SABARKANTHA DIST CEN CO OP BANK LTD LIMB branch. The format is fixed: GSCB = bank code, 0 = reserved, SKB132 = branch identifier.
Branch details at a glance
| Bank Name | The Gujarat State Cooperative Bank Limited |
|---|---|
| Branch | The Sabarkantha Dist Cen Co Op Bank Ltd Limb |
| IFSC Code | GSCB0SKB132 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT POST LIMB 383325 |
| City | Bayad |
| District | Arwalli |
| State | Gujarat |
| STD Code | 0 |
| Phone | 9824683831 |
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 Sabarkantha Dist Cen Co Op Bank Ltd Limb branch in Bayad, Gujarat is part of this network and uses the IFSC code GSCB0SKB132 for all electronic settlement.
About this branch
The branch is located at AT POST LIMB 383325. It serves the Bayad 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 GSCB0SKB132 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 SABARKANTHA DIST CEN CO OP BANK LTD LIMB of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0SKB132 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 GSCB0SKB132 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 GSCB0SKB132
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 GSCB0SKB132 across all three.
NEFT to The Gujarat State Cooperative Bank Limited, THE SABARKANTHA DIST CEN CO OP BANK LTD LIMB using IFSC GSCB0SKB132
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 GSCB0SKB132, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE SABARKANTHA DIST CEN CO OP BANK LTD LIMB. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC GSCB0SKB132
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 SABARKANTHA DIST CEN CO OP BANK LTD LIMB, ensure your bank's portal accepts IFSC GSCB0SKB132 while registering the beneficiary. RTGS is also available 24x7.
IMPS to The Gujarat State Cooperative Bank Limited THE SABARKANTHA DIST CEN CO OP BANK LTD LIMB (IFSC GSCB0SKB132)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0SKB132 in your mobile or internet banking app, and the money is credited to the THE SABARKANTHA DIST CEN CO OP BANK LTD LIMB branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to The Sabarkantha Dist Cen Co Op Bank Ltd Limb
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 GSCB0SKB132:
- 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 SABARKANTHA DIST CEN CO OP BANK LTD LIMB is still linked to IFSC GSCB0SKB132.
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 SABARKANTHA DIST CEN CO OP BANK LTD LIMB branch, the IFSC GSCB0SKB132 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.
Account types you can open at the The Sabarkantha Dist Cen Co Op Bank Ltd Limb branch
Once you have an account at The Gujarat State Cooperative Bank Limited – THE SABARKANTHA DIST CEN CO OP BANK LTD LIMB, the IFSC GSCB0SKB132 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 Sabarkantha Dist Cen Co Op Bank Ltd Limb branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9824683831.
- 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 GSCB0SKB132
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 GSCB0SKB132 and the account number together uniquely identify the The Sabarkantha Dist Cen Co Op Bank Ltd Limb branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC GSCB0SKB132
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 SABARKANTHA DIST CEN CO OP BANK LTD LIMB 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 GSCB0SKB132 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 GSCB0SKB132
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 – THE SABARKANTHA DIST CEN CO OP BANK LTD LIMB, 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:
GSCB0SKB132. - 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.
How to reach the The Sabarkantha Dist Cen Co Op Bank Ltd Limb branch
The branch is located at AT POST LIMB 383325, which puts it inside Bayad, the broader Arwalli district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “The Gujarat State Cooperative Bank Limited The Sabarkantha Dist Cen Co Op Bank Ltd Limb branch” — the verified location pin for IFSC GSCB0SKB132 should appear at the top of the results.
- Confirm the branch is open by calling 9824683831 before stepping out, especially around public holidays.
- 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 GSCB0SKB132 and your account number.
Verifying IFSC GSCB0SKB132 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 GSCB0SKB132 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9824683831.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at The Sabarkantha Dist Cen Co Op Bank Ltd Limb 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 GSCB0SKB132 continue to work without interruption.
Branch address & contact
The Gujarat State Cooperative Bank LimitedThe Sabarkantha Dist Cen Co Op Bank Ltd Limb Branch
AT POST LIMB 383325
Bayad, Gujarat
Phone: 9824683831
IFSC: GSCB0SKB132
Frequently asked questions
Where is The Gujarat State Cooperative Bank Limited The Sabarkantha Dist Cen Co Op Bank Ltd Limb branch located?
The Gujarat State Cooperative Bank Limited's The Sabarkantha Dist Cen Co Op Bank Ltd Limb branch is located at AT POST LIMB 383325, Bayad, Gujarat.
What is the IFSC code of The Gujarat State Cooperative Bank Limited The Sabarkantha Dist Cen Co Op Bank Ltd Limb branch?
The IFSC code of The Gujarat State Cooperative Bank Limited, The Sabarkantha Dist Cen Co Op Bank Ltd Limb branch is GSCB0SKB132. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add The Gujarat State Cooperative Bank Limited The Sabarkantha Dist Cen Co Op Bank Ltd Limb as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC GSCB0SKB132, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC GSCB0SKB132 the same for all accounts at The Sabarkantha Dist Cen Co Op Bank Ltd Limb branch?
Yes. The IFSC GSCB0SKB132 is shared by every account held at The Gujarat State Cooperative Bank Limited's The Sabarkantha Dist Cen Co Op Bank Ltd Limb branch. Only the account number changes from customer to customer.
Does The Gujarat State Cooperative Bank Limited The Sabarkantha Dist Cen Co Op Bank Ltd Limb branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9824683831 to confirm.
Can I use IFSC GSCB0SKB132 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC GSCB0SKB132 to send funds instantly.
What is the phone number of The Gujarat State Cooperative Bank Limited The Sabarkantha Dist Cen Co Op Bank Ltd Limb branch?
You can reach the branch at 9824683831 during regular banking hours.
Is IFSC GSCB0SKB132 valid for NEFT and RTGS?
Yes. IFSC GSCB0SKB132 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: GSCB0SKB132 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE SABARKANTHA DIST CEN CO OP BANK LTD LIMB branch, in BAYAD, 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.
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