IFSC Code of The Gujarat State Cooperative Bank Limited, The Kachchh District Central Co Op Bank Ltd Bhid Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD BHID branch in BHUJ, GUJARAT. The branch's IFSC code GSCB0KTC005 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.

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, GSCB0KTC005 is the IFSC of The Gujarat State Cooperative Bank Limited's THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD BHID branch. The format is fixed: GSCB = bank code, 0 = reserved, KTC005 = branch identifier.

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The The Kachchh District Central Co Op Bank Ltd Bhid branch — IFSC GSCB0KTC005 — extends the bank's services to customers in and around Bhuj, Gujarat.

Branch details at a glance

About this branch

The branch is located at VIJAY NAGAR CHAR RASTA HOSPITAL ROAD BHUJ KACHCHH PIN 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 GSCB0KTC005 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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD BHID of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0KTC005 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 GSCB0KTC005 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 Kachchh District Central Co Op Bank Ltd Bhid branch is mapped to IFSC GSCB0KTC005 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 GSCB0KTC005.

Products and services

Customers walking into the The Kachchh District Central Co Op Bank Ltd Bhid 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 GSCB0KTC005

How to transfer money using IFSC GSCB0KTC005

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 GSCB0KTC005 across all three.

How to use IFSC GSCB0KTC005 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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD BHID 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 GSCB0KTC005.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD BHID.
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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD BHID

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD BHID branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0KTC005 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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD BHID, use IMPS. With IFSC GSCB0KTC005 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC GSCB0KTC005 for The Gujarat State Cooperative Bank Limited – THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD BHID, 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 Kachchh District Central Co Op Bank Ltd Bhid 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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD BHID branch, the IFSC GSCB0KTC005 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.

Online banking and IFSC GSCB0KTC005

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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD BHID 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 GSCB0KTC005 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 & cheque-truncation details

Cheques drawn on the The Kachchh District Central Co Op Bank Ltd Bhid branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0KTC005 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD BHID:

• The IFSC is exactly GSCB0KTC005 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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD BHID 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 Kachchh District Central Co Op Bank Ltd Bhid branch

The branch is located at VIJAY NAGAR CHAR RASTA HOSPITAL ROAD BHUJ KACHCHH PIN 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 Kachchh District Central Co Op Bank Ltd Bhid branch” — the verified location pin for IFSC GSCB0KTC005 should appear at the top of the results.
2. Confirm the branch is open by calling 2832-225547 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 GSCB0KTC005 and your account number.

Verifying IFSC GSCB0KTC005 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 GSCB0KTC005 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2832-225547.
• 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 Kachchh District Central Co Op Bank Ltd Bhid branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0KTC005, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0KTC005 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD BHID 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.