IFSC Code of The Gujarat State Cooperative Bank Limited, Sihor Mercantile Co-Op. Bank Ltd.Kalanala Branch Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's SIHOR MERCANTILE CO-OP. BANK LTD.KALANALA BRANCH branch in BHAVNAGAR, GUJARAT. The branch's IFSC code GSCB0USMC02 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 – SIHOR MERCANTILE CO-OP. BANK LTD.KALANALA BRANCH is GSCB0USMC02. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters USMC02 map to this branch in BHAVNAGAR, GUJARAT.

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 Sihor Mercantile Co-Op. Bank Ltd.Kalanala Branch branch in Bhavnagar, Gujarat is part of this network and uses the IFSC code GSCB0USMC02 for all electronic settlement.

Sihor Mercantile Co-Op. Bank Ltd.Kalanala Branch branch overview

Located at RADHESHYAM COMPLEX, WAGHAWADI ROAD, BHAVNAGAR, the Sihor Mercantile Co-Op. Bank Ltd.Kalanala Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0USMC02 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 SIHOR MERCANTILE CO-OP. BANK LTD.KALANALA BRANCH of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0USMC02 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 GSCB0USMC02 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Sihor Mercantile Co-Op. Bank Ltd.Kalanala Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0USMC02 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC GSCB0USMC02

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 GSCB0USMC02 across all three.

How to use IFSC GSCB0USMC02 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 SIHOR MERCANTILE CO-OP. BANK LTD.KALANALA 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).

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 GSCB0USMC02.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as SIHOR MERCANTILE CO-OP. BANK LTD.KALANALA BRANCH.
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 GSCB0USMC02

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 – SIHOR MERCANTILE CO-OP. BANK LTD.KALANALA BRANCH, ensure your bank's portal accepts IFSC GSCB0USMC02 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 – SIHOR MERCANTILE CO-OP. BANK LTD.KALANALA BRANCH, use IMPS. With IFSC GSCB0USMC02 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 GSCB0USMC02 for The Gujarat State Cooperative Bank Limited – SIHOR MERCANTILE CO-OP. BANK LTD.KALANALA BRANCH, 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 Sihor Mercantile Co-Op. Bank Ltd.Kalanala Branch 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 SIHOR MERCANTILE CO-OP. BANK LTD.KALANALA BRANCH branch, the IFSC GSCB0USMC02 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 Sihor Mercantile Co-Op. Bank Ltd.Kalanala Branch branch

Once you have an account at The Gujarat State Cooperative Bank Limited – SIHOR MERCANTILE CO-OP. BANK LTD.KALANALA BRANCH, the IFSC GSCB0USMC02 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 Sihor Mercantile Co-Op. Bank Ltd.Kalanala Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 278-2520196.

• 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 GSCB0USMC02

Digital banking channels

Most day-to-day work that customers used to do at the Sihor Mercantile Co-Op. Bank Ltd.Kalanala 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 GSCB0USMC02 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 Sihor Mercantile Co-Op. Bank Ltd.Kalanala Branch branch

The branch is located at RADHESHYAM COMPLEX, WAGHAWADI ROAD, BHAVNAGAR, which puts it inside Bhavnagar, the broader Bhavnagar 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 Sihor Mercantile Co-Op. Bank Ltd.Kalanala Branch branch” — the verified location pin for IFSC GSCB0USMC02 should appear at the top of the results.
2. Confirm the branch is open by calling 278-2520196 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 GSCB0USMC02 and your account number.

Common mistakes to avoid when using IFSC GSCB0USMC02

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 – SIHOR MERCANTILE CO-OP. BANK LTD.KALANALA BRANCH, 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: GSCB0USMC02.
• 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.

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 Sihor Mercantile Co-Op. Bank Ltd.Kalanala Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0USMC02, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0USMC02 for The Gujarat State Cooperative Bank Limited – SIHOR MERCANTILE CO-OP. BANK LTD.KALANALA BRANCH, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0USMC02 is the IFSC code of The Gujarat State Cooperative Bank Limited, SIHOR MERCANTILE CO-OP. BANK LTD.KALANALA 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.