IFSC Code of The Gujarat State Cooperative Bank Limited, The Bhavnagar Nagrik Sahakari Bank Ltd Ganga Jalia Talav Branch Branch, Gujarat

If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, THE BHAVNAGAR NAGRIK SAHAKARI BANK LTD GANGA JALIA TALAV BRANCH branch in BHAVNAGAR, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0USBN02. 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 THE BHAVNAGAR NAGRIK SAHAKARI BANK LTD GANGA JALIA TALAV BRANCH branch, and detailed step-by-step guides for using the IFSC GSCB0USBN02 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, GSCB0USBN02 is the IFSC of The Gujarat State Cooperative Bank Limited's THE BHAVNAGAR NAGRIK SAHAKARI BANK LTD GANGA JALIA TALAV BRANCH branch. The format is fixed: GSCB = bank code, 0 = reserved, USBN02 = branch identifier.

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 Bhavnagar Nagrik Sahakari Bank Ltd Ganga Jalia Talav Branch branch — IFSC GSCB0USBN02 — extends the bank's services to customers in and around Bhavnagar, Gujarat.

About this branch

The branch is located at 14 SHANKER BHAVAN GANGA JALIA 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 GSCB0USBN02 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 THE BHAVNAGAR NAGRIK SAHAKARI BANK LTD GANGA JALIA TALAV BRANCH branch came to be assigned the code GSCB0USBN02.

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 GSCB0USBN02, money simply cannot be routed to the THE BHAVNAGAR NAGRIK SAHAKARI BANK LTD GANGA JALIA TALAV 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 GSCB0USBN02 and the account number together uniquely identify the The Bhavnagar Nagrik Sahakari Bank Ltd Ganga Jalia Talav 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 GSCB0USBN02

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 GSCB0USBN02 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE BHAVNAGAR NAGRIK SAHAKARI BANK LTD GANGA JALIA TALAV BRANCH using IFSC GSCB0USBN02

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC GSCB0USBN02, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE BHAVNAGAR NAGRIK SAHAKARI BANK LTD GANGA JALIA TALAV BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0USBN02

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 NAGRIK SAHAKARI BANK LTD GANGA JALIA TALAV BRANCH, ensure your bank's portal accepts IFSC GSCB0USBN02 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 BHAVNAGAR NAGRIK SAHAKARI BANK LTD GANGA JALIA TALAV BRANCH, use IMPS. With IFSC GSCB0USBN02 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 Bhavnagar Nagrik Sahakari Bank Ltd Ganga Jalia Talav 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 GSCB0USBN02:

• 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 BHAVNAGAR NAGRIK SAHAKARI BANK LTD GANGA JALIA TALAV BRANCH is still linked to IFSC GSCB0USBN02.

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 GSCB0USBN02

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 NAGRIK SAHAKARI BANK LTD GANGA JALIA TALAV BRANCH is still mapped to IFSC GSCB0USBN02. 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 GSCB0USBN02 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the The Bhavnagar Nagrik Sahakari Bank Ltd Ganga Jalia Talav Branch branch is mapped to IFSC GSCB0USBN02 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 GSCB0USBN02.

Banking services available

The The Bhavnagar Nagrik Sahakari Bank Ltd Ganga Jalia Talav Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 278-2521423.

• 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 GSCB0USBN02

Online banking and IFSC GSCB0USBN02

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 BHAVNAGAR NAGRIK SAHAKARI BANK LTD GANGA JALIA TALAV BRANCH 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 GSCB0USBN02 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.

Reaching the branch

The The Bhavnagar Nagrik Sahakari Bank Ltd Ganga Jalia Talav Branch branch sits at 14 SHANKER BHAVAN GANGA JALIA 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 278-2521423 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 GSCB0USBN02 and your account number.

Common mistakes to avoid when using IFSC GSCB0USBN02

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 NAGRIK SAHAKARI BANK LTD GANGA JALIA TALAV 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: GSCB0USBN02.
• 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.

Working hours

Branch counters at The Bhavnagar Nagrik Sahakari Bank Ltd Ganga Jalia Talav 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 GSCB0USBN02 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0USBN02 for The Gujarat State Cooperative Bank Limited – THE BHAVNAGAR NAGRIK SAHAKARI BANK LTD GANGA JALIA TALAV 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

Summary

The IFSC code GSCB0USBN02 belongs to The Gujarat State Cooperative Bank Limited's THE BHAVNAGAR NAGRIK SAHAKARI BANK LTD GANGA JALIA TALAV BRANCH branch, located at 14 SHANKER BHAVAN GANGA JALIA 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.