Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD SHISUVIHAR BRANCH branch in BHAVNAGAR, GUJARAT. The branch's IFSC code GSCB0USBN09 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 – SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD SHISUVIHAR BRANCH is GSCB0USBN09. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters USBN09 map to this branch in BHAVNAGAR, GUJARAT.
About The Gujarat State Cooperative Bank Limited
The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the Shree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch branch in Bhavnagar. 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, GSCB0USBN09.
About this branch
The branch is located at SHISUVIHAR BRANCH PLOT NO 741A 1 BORDI GATE BHAVNAGAR. It serves the Bhavnagar 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 GSCB0USBN09 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | The Gujarat State Cooperative Bank Limited |
|---|---|
| Branch | Shree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch |
| IFSC Code | GSCB0USBN09 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHISUVIHAR BRANCH PLOT NO 741A 1 BORDI GATE BHAVNAGAR |
| City | Bhavnagar |
| District | Bhavnagar |
| State | Gujarat |
| STD Code | 278 |
| Phone | 2203303 |
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 SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD SHISUVIHAR BRANCH branch came to be assigned the code GSCB0USBN09.
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 GSCB0USBN09, money simply cannot be routed to the SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD SHISUVIHAR BRANCH branch electronically.
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 GSCB0USBN09 and the account number together uniquely identify the Shree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC GSCB0USBN09
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 GSCB0USBN09 across all three.
How to use IFSC GSCB0USBN09 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 SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD SHISUVIHAR BRANCH 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC GSCB0USBN09.
- Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD SHISUVIHAR BRANCH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD SHISUVIHAR BRANCH
If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD SHISUVIHAR BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0USBN09 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 – SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD SHISUVIHAR BRANCH, use IMPS. With IFSC GSCB0USBN09 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 Shree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch
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 GSCB0USBN09:
- 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 SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD SHISUVIHAR BRANCH is still linked to IFSC GSCB0USBN09.
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 GSCB0USBN09
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 – SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD SHISUVIHAR BRANCH is still mapped to IFSC GSCB0USBN09. 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 GSCB0USBN09 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Shree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch branch is mapped to IFSC GSCB0USBN09 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 GSCB0USBN09.
Products and services
Customers walking into the Shree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch 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 GSCB0USBN09
Digital banking channels
Most day-to-day work that customers used to do at the Shree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch 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 GSCB0USBN09 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.
How to reach the Shree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch branch
The branch is located at SHISUVIHAR BRANCH PLOT NO 741A 1 BORDI GATE BHAVNAGAR, which puts it inside Bhavnagar, the broader Bhavnagar 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 Shree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch branch” — the verified location pin for IFSC GSCB0USBN09 should appear at the top of the results.
- Confirm the branch is open by calling 278-2203303 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 GSCB0USBN09 and your account number.
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 – SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD SHISUVIHAR BRANCH:
- The IFSC is exactly GSCB0USBN09 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 SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD SHISUVIHAR BRANCH 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.
Working hours
Branch counters at Shree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch 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 GSCB0USBN09 continue to work without interruption.
Verifying IFSC GSCB0USBN09 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 GSCB0USBN09 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 278-2203303.
- Visiting the bank's official branch locator page.
Branch address & contact
The Gujarat State Cooperative Bank LimitedShree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch Branch
SHISUVIHAR BRANCH PLOT NO 741A 1 BORDI GATE BHAVNAGAR
Bhavnagar, Gujarat
Phone: 278-2203303
IFSC: GSCB0USBN09
Frequently asked questions
Is IFSC GSCB0USBN09 valid for NEFT and RTGS?
Yes. IFSC GSCB0USBN09 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does The Gujarat State Cooperative Bank Limited Shree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 278-2203303 to confirm.
How do I add The Gujarat State Cooperative Bank Limited Shree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC GSCB0USBN09, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC GSCB0USBN09 the same for all accounts at Shree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch branch?
Yes. The IFSC GSCB0USBN09 is shared by every account held at The Gujarat State Cooperative Bank Limited's Shree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using GSCB0USBN09 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Gujarat State Cooperative Bank Limited – Shree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Shree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch branch but serve different purposes.
Can I use IFSC GSCB0USBN09 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC GSCB0USBN09 to send funds instantly.
Where is The Gujarat State Cooperative Bank Limited Shree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch branch located?
The Gujarat State Cooperative Bank Limited's Shree Bhavnagar Nagrik Sahakari Bank Ltd Shisuvihar Branch branch is located at SHISUVIHAR BRANCH PLOT NO 741A 1 BORDI GATE BHAVNAGAR, Bhavnagar, Gujarat.
Final notes
To recap: GSCB0USBN09 is the IFSC code of The Gujarat State Cooperative Bank Limited, SHREE BHAVNAGAR NAGRIK SAHAKARI BANK LTD SHISUVIHAR BRANCH branch, in BHAVNAGAR, 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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