IFSC Code of The Gujarat State Cooperative Bank Limited, The Bhavnagar Nagrik Sahakari Bank Ltd Vadva Pandevi Branch Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's THE BHAVNAGAR NAGRIK SAHAKARI BANK LTD VADVA PANDEVI BRANCH branch in BHAVNAGAR, GUJARAT. The branch's IFSC code GSCB0USBN04 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For The Gujarat State Cooperative Bank Limited's THE BHAVNAGAR NAGRIK SAHAKARI BANK LTD VADVA PANDEVI BRANCH branch, the IFSC GSCB0USBN04 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and USBN04 identifies this particular branch.

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 Nagrik Sahakari Bank Ltd Vadva Pandevi 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, GSCB0USBN04.

About this branch

The branch is located at VADVA BRANCH PANDEVI ROAD 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 GSCB0USBN04 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 NAGRIK SAHAKARI BANK LTD VADVA PANDEVI BRANCH of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0USBN04 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 GSCB0USBN04 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 GSCB0USBN04

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 GSCB0USBN04 across all three.

How to use IFSC GSCB0USBN04 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 NAGRIK SAHAKARI BANK LTD VADVA PANDEVI 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 GSCB0USBN04.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE BHAVNAGAR NAGRIK SAHAKARI BANK LTD VADVA PANDEVI 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 GSCB0USBN04

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 VADVA PANDEVI BRANCH, ensure your bank's portal accepts IFSC GSCB0USBN04 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited THE BHAVNAGAR NAGRIK SAHAKARI BANK LTD VADVA PANDEVI BRANCH (IFSC GSCB0USBN04)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0USBN04 in your mobile or internet banking app, and the money is credited to the THE BHAVNAGAR NAGRIK SAHAKARI BANK LTD VADVA PANDEVI BRANCH branch account within seconds.

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

All three modes accept the IFSC GSCB0USBN04 for The Gujarat State Cooperative Bank Limited – THE BHAVNAGAR NAGRIK SAHAKARI BANK LTD VADVA PANDEVI 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 The Bhavnagar Nagrik Sahakari Bank Ltd Vadva Pandevi 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 THE BHAVNAGAR NAGRIK SAHAKARI BANK LTD VADVA PANDEVI BRANCH branch, the IFSC GSCB0USBN04 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 The Bhavnagar Nagrik Sahakari Bank Ltd Vadva Pandevi Branch branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE BHAVNAGAR NAGRIK SAHAKARI BANK LTD VADVA PANDEVI BRANCH, the IFSC GSCB0USBN04 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.

Products and services

Customers walking into the The Bhavnagar Nagrik Sahakari Bank Ltd Vadva Pandevi 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 GSCB0USBN04

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 GSCB0USBN04 and the account number together uniquely identify the The Bhavnagar Nagrik Sahakari Bank Ltd Vadva Pandevi Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC GSCB0USBN04

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 VADVA PANDEVI 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 GSCB0USBN04 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.

Common mistakes to avoid when using IFSC GSCB0USBN04

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 VADVA PANDEVI 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: GSCB0USBN04.
• 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.

How to reach the The Bhavnagar Nagrik Sahakari Bank Ltd Vadva Pandevi Branch branch

The branch is located at VADVA BRANCH PANDEVI 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 The Bhavnagar Nagrik Sahakari Bank Ltd Vadva Pandevi Branch branch” — the verified location pin for IFSC GSCB0USBN04 should appear at the top of the results.
2. Confirm the branch is open by calling 278-25241427 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 GSCB0USBN04 and your account number.

Verifying IFSC GSCB0USBN04 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 GSCB0USBN04 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 278-25241427.
• 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 Nagrik Sahakari Bank Ltd Vadva Pandevi Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0USBN04, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0USBN04 belongs to The Gujarat State Cooperative Bank Limited's THE BHAVNAGAR NAGRIK SAHAKARI BANK LTD VADVA PANDEVI BRANCH branch, located at VADVA BRANCH PANDEVI ROAD 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.