IFSC Code of The Gujarat State Cooperative Bank Limited, The Bhuj Mercantile Coop Bank Ltd Station Road 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 STATION ROAD branch in BHUJ, GUJARAT. The branch's IFSC code GSCB0UTBM03 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 BHUJ MERCANTILE COOP BANK LTD STATION ROAD is GSCB0UTBM03. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters UTBM03 map to this branch in BHUJ, 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 Bhuj Mercantile Coop Bank Ltd Station Road 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, GSCB0UTBM03.

About the The Bhuj Mercantile Coop Bank Ltd Station Road branch

The The Bhuj Mercantile Coop Bank Ltd Station Road branch of The Gujarat State Cooperative Bank Limited is situated at 1ST FLOOR, SILVER POINT, STATION ROAD, 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 GSCB0UTBM03 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 STATION ROAD of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0UTBM03 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 GSCB0UTBM03 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 GSCB0UTBM03

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 GSCB0UTBM03 across all three.

How to use IFSC GSCB0UTBM03 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 STATION 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 GSCB0UTBM03.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE BHUJ MERCANTILE COOP BANK LTD STATION ROAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

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

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 STATION ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0UTBM03 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 STATION ROAD (IFSC GSCB0UTBM03)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0UTBM03 in your mobile or internet banking app, and the money is credited to the THE BHUJ MERCANTILE COOP BANK LTD STATION ROAD branch account within seconds.

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

All three modes accept the IFSC GSCB0UTBM03 for The Gujarat State Cooperative Bank Limited – THE BHUJ MERCANTILE COOP BANK LTD STATION 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 Station 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.

UPI payments and IFSC GSCB0UTBM03

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 STATION ROAD is still mapped to IFSC GSCB0UTBM03. 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 GSCB0UTBM03 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the The Bhuj Mercantile Coop Bank Ltd Station Road branch is mapped to IFSC GSCB0UTBM03 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 GSCB0UTBM03.

Products and services

Customers walking into the The Bhuj Mercantile Coop Bank Ltd Station 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 GSCB0UTBM03

MICR & cheque-truncation details

Cheques drawn on the The Bhuj Mercantile Coop Bank Ltd Station Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0UTBM03 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC GSCB0UTBM03

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 STATION ROAD 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 GSCB0UTBM03 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 GSCB0UTBM03

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 STATION 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: GSCB0UTBM03.
• 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 Station Road branch sits at 1ST FLOOR, SILVER POINT, STATION 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 2832-229504 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 GSCB0UTBM03 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0UTBM03 for The Gujarat State Cooperative Bank Limited – THE BHUJ MERCANTILE COOP BANK LTD STATION ROAD, 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.

Working hours

Branch counters at The Bhuj Mercantile Coop Bank Ltd Station 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 GSCB0UTBM03 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0UTBM03 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE BHUJ MERCANTILE COOP BANK LTD STATION 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.