IFSC Code of The Gujarat State Cooperative Bank Limited, The Bhuj Mercantile Coop Bank Ltd Hospital Road Branch, Gujarat

If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, THE BHUJ MERCANTILE COOP BANK LTD HOSPITAL ROAD branch in BHUJ, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0UTBM02. 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 BHUJ MERCANTILE COOP BANK LTD HOSPITAL ROAD branch, and detailed step-by-step guides for using the IFSC GSCB0UTBM02 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, GSCB0UTBM02 is the IFSC of The Gujarat State Cooperative Bank Limited's THE BHUJ MERCANTILE COOP BANK LTD HOSPITAL ROAD branch. The format is fixed: GSCB = bank code, 0 = reserved, UTBM02 = branch identifier.

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 The Bhuj Mercantile Coop Bank Ltd Hospital Road branch in Bhuj, Gujarat is part of this network and uses the IFSC code GSCB0UTBM02 for all electronic settlement.

Branch details at a glance

The Bhuj Mercantile Coop Bank Ltd Hospital Road branch overview

Located at GROUND FLOOR, MAHENDRA APT. HOSPITAL ROAD BHUJ KUTCH 370001, the The Bhuj Mercantile Coop Bank Ltd Hospital Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0UTBM02 is required for all interbank electronic transfers routed through this branch.

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 BHUJ MERCANTILE COOP BANK LTD HOSPITAL ROAD of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0UTBM02 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 GSCB0UTBM02 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the The Bhuj Mercantile Coop Bank Ltd Hospital Road branch is mapped to IFSC GSCB0UTBM02 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 GSCB0UTBM02.

Products and services

Customers walking into the The Bhuj Mercantile Coop Bank Ltd Hospital Road 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 GSCB0UTBM02

How to transfer money using IFSC GSCB0UTBM02

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 GSCB0UTBM02 across all three.

How to use IFSC GSCB0UTBM02 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 BHUJ MERCANTILE COOP BANK LTD HOSPITAL ROAD 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 GSCB0UTBM02.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE BHUJ MERCANTILE COOP BANK LTD HOSPITAL ROAD.
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 GSCB0UTBM02

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 BHUJ MERCANTILE COOP BANK LTD HOSPITAL ROAD, ensure your bank's portal accepts IFSC GSCB0UTBM02 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited THE BHUJ MERCANTILE COOP BANK LTD HOSPITAL ROAD (IFSC GSCB0UTBM02)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0UTBM02 in your mobile or internet banking app, and the money is credited to the THE BHUJ MERCANTILE COOP BANK LTD HOSPITAL ROAD branch account within seconds.

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

All three modes accept the IFSC GSCB0UTBM02 for The Gujarat State Cooperative Bank Limited – THE BHUJ MERCANTILE COOP BANK LTD HOSPITAL ROAD, 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 Bhuj Mercantile Coop Bank Ltd Hospital Road 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 BHUJ MERCANTILE COOP BANK LTD HOSPITAL ROAD branch, the IFSC GSCB0UTBM02 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.

Digital banking channels

Most day-to-day work that customers used to do at the The Bhuj Mercantile Coop Bank Ltd Hospital Road 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 GSCB0UTBM02 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 & cheque-truncation details

Cheques drawn on the The Bhuj Mercantile Coop Bank Ltd Hospital Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0UTBM02 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC GSCB0UTBM02

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 BHUJ MERCANTILE COOP BANK LTD HOSPITAL ROAD, 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: GSCB0UTBM02.
• 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 Bhuj Mercantile Coop Bank Ltd Hospital Road branch sits at GROUND FLOOR, MAHENDRA APT. HOSPITAL ROAD BHUJ KUTCH 370001. If you are travelling from outside Bhuj, search for the branch on a maps application using the bank name and locality, or call 2832-252563 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 GSCB0UTBM02 and your account number.

Verifying IFSC GSCB0UTBM02 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 GSCB0UTBM02 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2832-252563.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Bhuj Mercantile Coop Bank Ltd Hospital Road 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 GSCB0UTBM02 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0UTBM02 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE BHUJ MERCANTILE COOP BANK LTD HOSPITAL ROAD branch, in BHUJ, 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.