IFSC Code of The Gujarat State Cooperative Bank Limited, The Gandhidham Mercantile Co Op Bank Bhuj Branch, Gujarat

If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, THE GANDHIDHAM MERCANTILE CO OP BANK BHUJ branch in BHUJ, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0UGMC01. 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 GANDHIDHAM MERCANTILE CO OP BANK BHUJ branch, and detailed step-by-step guides for using the IFSC GSCB0UGMC01 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.

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 GANDHIDHAM MERCANTILE CO OP BANK BHUJ is GSCB0UGMC01. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters UGMC01 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 Gandhidham Mercantile Co Op Bank Bhuj 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, GSCB0UGMC01.

About this branch

The branch is located at NEEJ NIKETAN 144 VIJAY NAGAR AREA HOSPITAL ROAD BHUJ 370001. It serves the Bhuj 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 GSCB0UGMC01 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 GANDHIDHAM MERCANTILE CO OP BANK BHUJ of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0UGMC01 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 GSCB0UGMC01 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 GSCB0UGMC01

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 GSCB0UGMC01 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE GANDHIDHAM MERCANTILE CO OP BANK BHUJ using IFSC GSCB0UGMC01

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 GSCB0UGMC01, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE GANDHIDHAM MERCANTILE CO OP BANK BHUJ. 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 GANDHIDHAM MERCANTILE CO OP BANK BHUJ

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE GANDHIDHAM MERCANTILE CO OP BANK BHUJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0UGMC01 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Gujarat State Cooperative Bank Limited – THE GANDHIDHAM MERCANTILE CO OP BANK BHUJ, use IMPS. With IFSC GSCB0UGMC01 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 Gandhidham Mercantile Co Op Bank Bhuj

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 GSCB0UGMC01:

• 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 GANDHIDHAM MERCANTILE CO OP BANK BHUJ is still linked to IFSC GSCB0UGMC01.

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 GSCB0UGMC01

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 GANDHIDHAM MERCANTILE CO OP BANK BHUJ is still mapped to IFSC GSCB0UGMC01. 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 GSCB0UGMC01 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the The Gandhidham Mercantile Co Op Bank Bhuj branch is mapped to IFSC GSCB0UGMC01 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 GSCB0UGMC01.

Products and services

Customers walking into the The Gandhidham Mercantile Co Op Bank Bhuj 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 GSCB0UGMC01

MICR & cheque-truncation details

Cheques drawn on the The Gandhidham Mercantile Co Op Bank Bhuj branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0UGMC01 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC GSCB0UGMC01

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 GANDHIDHAM MERCANTILE CO OP BANK BHUJ 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 GSCB0UGMC01 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.

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 GANDHIDHAM MERCANTILE CO OP BANK BHUJ:

• The IFSC is exactly GSCB0UGMC01 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 GANDHIDHAM MERCANTILE CO OP BANK BHUJ 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.

How to reach the The Gandhidham Mercantile Co Op Bank Bhuj branch

The branch is located at NEEJ NIKETAN 144 VIJAY NAGAR AREA HOSPITAL ROAD BHUJ 370001, which puts it inside Bhuj, the broader Kachchh 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 Gandhidham Mercantile Co Op Bank Bhuj branch” — the verified location pin for IFSC GSCB0UGMC01 should appear at the top of the results.
2. Confirm the branch is open by calling 2832-223108 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 GSCB0UGMC01 and your account number.

Verifying IFSC GSCB0UGMC01 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 GSCB0UGMC01 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2832-223108.
• 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 Gandhidham Mercantile Co Op Bank Bhuj branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0UGMC01, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0UGMC01 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE GANDHIDHAM MERCANTILE CO OP BANK BHUJ 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.