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

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's THE BHUJ MERCANTILE COOP BANK LTD MARKETYARD branch in BHUJ, GUJARAT. The branch's IFSC code GSCB0UTBM04 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 BHUJ MERCANTILE COOP BANK LTD MARKETYARD branch, the IFSC GSCB0UTBM04 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and UTBM04 identifies this particular branch.

About The Gujarat State Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the The Bhuj Mercantile Coop Bank Ltd Marketyard branch in Bhuj. 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, GSCB0UTBM04.

Branch details at a glance

About the The Bhuj Mercantile Coop Bank Ltd Marketyard branch

The The Bhuj Mercantile Coop Bank Ltd Marketyard branch of The Gujarat State Cooperative Bank Limited is situated at BEHIND TVS SHOWROOM, ATMARAM CIRCLE, BHUJ KUTCH 370001. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code GSCB0UTBM04 is used.

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 MARKETYARD of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0UTBM04 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 GSCB0UTBM04 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 Marketyard branch is mapped to IFSC GSCB0UTBM04 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 GSCB0UTBM04.

Products and services

Customers walking into the The Bhuj Mercantile Coop Bank Ltd Marketyard 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 GSCB0UTBM04

How to transfer money using IFSC GSCB0UTBM04

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 GSCB0UTBM04 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE BHUJ MERCANTILE COOP BANK LTD MARKETYARD using IFSC GSCB0UTBM04

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 GSCB0UTBM04, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE BHUJ MERCANTILE COOP BANK LTD MARKETYARD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE BHUJ MERCANTILE COOP BANK LTD MARKETYARD

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE BHUJ MERCANTILE COOP BANK LTD MARKETYARD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0UTBM04 while initiating the transfer and the credit will appear within minutes.

IMPS to The Gujarat State Cooperative Bank Limited THE BHUJ MERCANTILE COOP BANK LTD MARKETYARD (IFSC GSCB0UTBM04)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0UTBM04 in your mobile or internet banking app, and the money is credited to the THE BHUJ MERCANTILE COOP BANK LTD MARKETYARD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Bhuj Mercantile Coop Bank Ltd Marketyard

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 GSCB0UTBM04:

• 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 BHUJ MERCANTILE COOP BANK LTD MARKETYARD is still linked to IFSC GSCB0UTBM04.

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 GSCB0UTBM04

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 BHUJ MERCANTILE COOP BANK LTD MARKETYARD is still mapped to IFSC GSCB0UTBM04. 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 GSCB0UTBM04 and the beneficiary's account number to complete the transfer.

Online banking and IFSC GSCB0UTBM04

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 BHUJ MERCANTILE COOP BANK LTD MARKETYARD 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 GSCB0UTBM04 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.

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 GSCB0UTBM04 and the account number together uniquely identify the The Bhuj Mercantile Coop Bank Ltd Marketyard 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 – THE BHUJ MERCANTILE COOP BANK LTD MARKETYARD:

• The IFSC is exactly GSCB0UTBM04 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 THE BHUJ MERCANTILE COOP BANK LTD MARKETYARD 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.

Reaching the branch

The The Bhuj Mercantile Coop Bank Ltd Marketyard branch sits at BEHIND TVS SHOWROOM, ATMARAM CIRCLE, 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 2832-245664 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 GSCB0UTBM04 and your account number.

Verifying IFSC GSCB0UTBM04 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 GSCB0UTBM04 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2832-245664.
• 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 Bhuj Mercantile Coop Bank Ltd Marketyard branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0UTBM04, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0UTBM04 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE BHUJ MERCANTILE COOP BANK LTD MARKETYARD 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.