IFSC Code of The Gujarat State Cooperative Bank Limited, The Mehsana Dist Central Co Op Bank Ltd Bhandu Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's THE MEHSANA DIST CENTRAL CO OP BANK LTD BHANDU branch in BHANDU, GUJARAT. The branch's IFSC code GSCB0MSN040 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.

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 MEHSANA DIST CENTRAL CO OP BANK LTD BHANDU is GSCB0MSN040. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters MSN040 map to this branch in BHANDU, GUJARAT.

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The The Mehsana Dist Central Co Op Bank Ltd Bhandu branch — IFSC GSCB0MSN040 — extends the bank's services to customers in and around Bhandu, Gujarat.

Branch details at a glance

The Mehsana Dist Central Co Op Bank Ltd Bhandu branch overview

Located at AT AND POST BHANDU BAZAR TA VISNAGAR DIST MEHSANA 384120, the The Mehsana Dist Central Co Op Bank Ltd Bhandu branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0MSN040 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 MEHSANA DIST CENTRAL CO OP BANK LTD BHANDU of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0MSN040 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 GSCB0MSN040 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the The Mehsana Dist Central Co Op Bank Ltd Bhandu branch is mapped to IFSC GSCB0MSN040 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 GSCB0MSN040.

Banking services available

The The Mehsana Dist Central Co Op Bank Ltd Bhandu branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2765-287347.

• 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 GSCB0MSN040

How to transfer money using IFSC GSCB0MSN040

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 GSCB0MSN040 across all three.

How to use IFSC GSCB0MSN040 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 MEHSANA DIST CENTRAL CO OP BANK LTD BHANDU 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 GSCB0MSN040.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE MEHSANA DIST CENTRAL CO OP BANK LTD BHANDU.
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 GSCB0MSN040

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 MEHSANA DIST CENTRAL CO OP BANK LTD BHANDU, ensure your bank's portal accepts IFSC GSCB0MSN040 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 MEHSANA DIST CENTRAL CO OP BANK LTD BHANDU, use IMPS. With IFSC GSCB0MSN040 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 Mehsana Dist Central Co Op Bank Ltd Bhandu

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 GSCB0MSN040:

• 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 MEHSANA DIST CENTRAL CO OP BANK LTD BHANDU is still linked to IFSC GSCB0MSN040.

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 GSCB0MSN040

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 MEHSANA DIST CENTRAL CO OP BANK LTD BHANDU is still mapped to IFSC GSCB0MSN040. 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 GSCB0MSN040 and the beneficiary's account number to complete the transfer.

Online banking and IFSC GSCB0MSN040

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 MEHSANA DIST CENTRAL CO OP BANK LTD BHANDU 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 GSCB0MSN040 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.

MICR & cheque-truncation details

Cheques drawn on the The Mehsana Dist Central Co Op Bank Ltd Bhandu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0MSN040 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 MEHSANA DIST CENTRAL CO OP BANK LTD BHANDU:

• The IFSC is exactly GSCB0MSN040 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 MEHSANA DIST CENTRAL CO OP BANK LTD BHANDU 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 Mehsana Dist Central Co Op Bank Ltd Bhandu branch sits at AT AND POST BHANDU BAZAR TA VISNAGAR DIST MEHSANA 384120. If you are travelling from outside Bhandu, search for the branch on a maps application using the bank name and locality, or call 2765-287347 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 GSCB0MSN040 and your account number.

Verifying IFSC GSCB0MSN040 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 GSCB0MSN040 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2765-287347.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Mehsana Dist Central Co Op Bank Ltd Bhandu 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 GSCB0MSN040 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0MSN040 belongs to The Gujarat State Cooperative Bank Limited's THE MEHSANA DIST CENTRAL CO OP BANK LTD BHANDU branch, located at AT AND POST BHANDU BAZAR TA VISNAGAR DIST MEHSANA 384120 in BHANDU, 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.