IFSC Code of The Gujarat State Cooperative Bank Limited, The Bhavnagar District Co Operative Bank Ltd Talav Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD TALAV branch in BHAVNAGAR, GUJARAT. The branch's IFSC code GSCB0BVN086 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 BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD TALAV is GSCB0BVN086. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters BVN086 map to this branch in BHAVNAGAR, GUJARAT.

Branch details at a glance

About The Gujarat State Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the The Bhavnagar District Co Operative Bank Ltd Talav 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, GSCB0BVN086.

About this branch

The branch is located at 13 SAHKAR BHAVAN GANGAJALIYA TALAV 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 GSCB0BVN086 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 BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD TALAV of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0BVN086 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 GSCB0BVN086 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 GSCB0BVN086

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 GSCB0BVN086 across all three.

How to use IFSC GSCB0BVN086 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 BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD TALAV 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 GSCB0BVN086.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD TALAV.
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 GSCB0BVN086

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 BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD TALAV, ensure your bank's portal accepts IFSC GSCB0BVN086 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD TALAV (IFSC GSCB0BVN086)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0BVN086 in your mobile or internet banking app, and the money is credited to the THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD TALAV branch account within seconds.

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

All three modes accept the IFSC GSCB0BVN086 for The Gujarat State Cooperative Bank Limited – THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD TALAV, 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 The Bhavnagar District Co Operative Bank Ltd Talav 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 GSCB0BVN086

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 BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD TALAV is still mapped to IFSC GSCB0BVN086. 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 GSCB0BVN086 and the beneficiary's account number to complete the transfer.

Account types you can open at the The Bhavnagar District Co Operative Bank Ltd Talav branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD TALAV, the IFSC GSCB0BVN086 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 Bhavnagar District Co Operative Bank Ltd Talav branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 278-6358329400.

• 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 GSCB0BVN086

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 GSCB0BVN086 and the account number together uniquely identify the The Bhavnagar District Co Operative Bank Ltd Talav branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the The Bhavnagar District Co Operative Bank Ltd Talav 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 GSCB0BVN086 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.

Common mistakes to avoid when using IFSC GSCB0BVN086

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 BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD TALAV, 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: GSCB0BVN086.
• 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.

Reaching the branch

The The Bhavnagar District Co Operative Bank Ltd Talav branch sits at 13 SAHKAR BHAVAN GANGAJALIYA TALAV BHAVNAGAR. If you are travelling from outside Bhavnagar, search for the branch on a maps application using the bank name and locality, or call 278-6358329400 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 GSCB0BVN086 and your account number.

Verifying IFSC GSCB0BVN086 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 GSCB0BVN086 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 278-6358329400.
• Visiting the bank's official branch locator page.

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 The Bhavnagar District Co Operative Bank Ltd Talav branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0BVN086, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0BVN086 belongs to The Gujarat State Cooperative Bank Limited's THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD TALAV branch, located at 13 SAHKAR BHAVAN GANGAJALIYA TALAV BHAVNAGAR in BHAVNAGAR, 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.