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

If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, SIHOR MERCANTILE CO-OP. BANK LTD.SHASTRINAGAR BRANCH branch in BHAVNAGAR, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0USMC03. 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 SIHOR MERCANTILE CO-OP. BANK LTD.SHASTRINAGAR BRANCH branch, and detailed step-by-step guides for using the IFSC GSCB0USMC03 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 – SIHOR MERCANTILE CO-OP. BANK LTD.SHASTRINAGAR BRANCH is GSCB0USMC03. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters USMC03 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.Shastrinagar Branch branch in Bhavnagar, Gujarat is part of this network and uses the IFSC code GSCB0USMC03 for all electronic settlement.

Branch details at a glance

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

Located at HARI DARSHAN COMPLEX, OPP- VITTHALWADI PETROL PUMP, SHASTRINAGAR, BHAVNAGAR, the Sihor Mercantile Co-Op. Bank Ltd.Shastrinagar 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 GSCB0USMC03 is required for all interbank electronic transfers routed through this branch.

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 SIHOR MERCANTILE CO-OP. BANK LTD.SHASTRINAGAR BRANCH branch came to be assigned the code GSCB0USMC03.

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 GSCB0USMC03, money simply cannot be routed to the SIHOR MERCANTILE CO-OP. BANK LTD.SHASTRINAGAR BRANCH branch electronically.

Products and account variants supported

Every account opened at the Sihor Mercantile Co-Op. Bank Ltd.Shastrinagar Branch branch is mapped to IFSC GSCB0USMC03 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 GSCB0USMC03.

Banking services available

The Sihor Mercantile Co-Op. Bank Ltd.Shastrinagar Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 278-2520197.

• 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 GSCB0USMC03

How to transfer money using IFSC GSCB0USMC03

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 GSCB0USMC03 across all three.

How to use IFSC GSCB0USMC03 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.SHASTRINAGAR 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 GSCB0USMC03.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as SIHOR MERCANTILE CO-OP. BANK LTD.SHASTRINAGAR BRANCH.
5. 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 SIHOR MERCANTILE CO-OP. BANK LTD.SHASTRINAGAR BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's SIHOR MERCANTILE CO-OP. BANK LTD.SHASTRINAGAR BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0USMC03 while initiating the transfer and the credit will appear within minutes.

IMPS to The Gujarat State Cooperative Bank Limited SIHOR MERCANTILE CO-OP. BANK LTD.SHASTRINAGAR BRANCH (IFSC GSCB0USMC03)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0USMC03 in your mobile or internet banking app, and the money is credited to the SIHOR MERCANTILE CO-OP. BANK LTD.SHASTRINAGAR BRANCH branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC GSCB0USMC03 for The Gujarat State Cooperative Bank Limited – SIHOR MERCANTILE CO-OP. BANK LTD.SHASTRINAGAR 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.Shastrinagar 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.

UPI payments and IFSC GSCB0USMC03

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 – SIHOR MERCANTILE CO-OP. BANK LTD.SHASTRINAGAR BRANCH is still mapped to IFSC GSCB0USMC03. 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 GSCB0USMC03 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 Sihor Mercantile Co-Op. Bank Ltd.Shastrinagar 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 GSCB0USMC03 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 GSCB0USMC03 and the account number together uniquely identify the Sihor Mercantile Co-Op. Bank Ltd.Shastrinagar Branch 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 – SIHOR MERCANTILE CO-OP. BANK LTD.SHASTRINAGAR BRANCH:

• The IFSC is exactly GSCB0USMC03 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 SIHOR MERCANTILE CO-OP. BANK LTD.SHASTRINAGAR 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.

How to reach the Sihor Mercantile Co-Op. Bank Ltd.Shastrinagar Branch branch

The branch is located at HARI DARSHAN COMPLEX, OPP- VITTHALWADI PETROL PUMP, SHASTRINAGAR, 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.Shastrinagar Branch branch” — the verified location pin for IFSC GSCB0USMC03 should appear at the top of the results.
2. Confirm the branch is open by calling 278-2520197 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 GSCB0USMC03 and your account number.

Verifying IFSC GSCB0USMC03 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 GSCB0USMC03 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 278-2520197.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Sihor Mercantile Co-Op. Bank Ltd.Shastrinagar 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 GSCB0USMC03 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0USMC03 is the IFSC code of The Gujarat State Cooperative Bank Limited, SIHOR MERCANTILE CO-OP. BANK LTD.SHASTRINAGAR 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.