IFSC Code of The Gujarat State Cooperative Bank Limited, Shri Rajkot District Co-Op. Bank Ltd. Charakhadi Branch, Gujarat

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, SHRI RAJKOT DISTRICT CO-OP. BANK LTD. CHARAKHADI branch, located in CHARAKHDAI, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0RJT049. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case GSCB0RJT049 for The Gujarat State Cooperative Bank Limited – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. CHARAKHADI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, GSCB0RJT049 is the IFSC of The Gujarat State Cooperative Bank Limited's SHRI RAJKOT DISTRICT CO-OP. BANK LTD. CHARAKHADI branch. The format is fixed: GSCB = bank code, 0 = reserved, RJT049 = branch identifier.

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 Shri Rajkot District Co-Op. Bank Ltd. Charakhadi branch in Charakhdai. 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, GSCB0RJT049.

About the Shri Rajkot District Co-Op. Bank Ltd. Charakhadi branch

The Shri Rajkot District Co-Op. Bank Ltd. Charakhadi branch of The Gujarat State Cooperative Bank Limited is situated at LIMDA CHOWK,CHARKHADI. 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 GSCB0RJT049 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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. CHARAKHADI of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0RJT049 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 GSCB0RJT049 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 GSCB0RJT049

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 GSCB0RJT049 across all three.

How to use IFSC GSCB0RJT049 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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. CHARAKHADI 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 GSCB0RJT049.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as SHRI RAJKOT DISTRICT CO-OP. BANK LTD. CHARAKHADI.
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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. CHARAKHADI

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's SHRI RAJKOT DISTRICT CO-OP. BANK LTD. CHARAKHADI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0RJT049 while initiating the transfer and the credit will appear within minutes.

IMPS to The Gujarat State Cooperative Bank Limited SHRI RAJKOT DISTRICT CO-OP. BANK LTD. CHARAKHADI (IFSC GSCB0RJT049)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0RJT049 in your mobile or internet banking app, and the money is credited to the SHRI RAJKOT DISTRICT CO-OP. BANK LTD. CHARAKHADI branch account within seconds.

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

All three modes accept the IFSC GSCB0RJT049 for The Gujarat State Cooperative Bank Limited – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. CHARAKHADI, 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 Shri Rajkot District Co-Op. Bank Ltd. Charakhadi 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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. CHARAKHADI branch, the IFSC GSCB0RJT049 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.

Products and account variants supported

Every account opened at the Shri Rajkot District Co-Op. Bank Ltd. Charakhadi branch is mapped to IFSC GSCB0RJT049 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 GSCB0RJT049.

Products and services

Customers walking into the Shri Rajkot District Co-Op. Bank Ltd. Charakhadi 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 GSCB0RJT049

MICR & cheque-truncation details

Cheques drawn on the Shri Rajkot District Co-Op. Bank Ltd. Charakhadi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0RJT049 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Shri Rajkot District Co-Op. Bank Ltd. Charakhadi 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 GSCB0RJT049 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.

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 – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. CHARAKHADI:

• The IFSC is exactly GSCB0RJT049 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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. CHARAKHADI 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 Shri Rajkot District Co-Op. Bank Ltd. Charakhadi branch sits at LIMDA CHOWK,CHARKHADI. If you are travelling from outside Charakhdai, search for the branch on a maps application using the bank name and locality, or call 9638270443 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 GSCB0RJT049 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0RJT049 for The Gujarat State Cooperative Bank Limited – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. CHARAKHADI, 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 Shri Rajkot District Co-Op. Bank Ltd. Charakhadi 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 GSCB0RJT049 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0RJT049 belongs to The Gujarat State Cooperative Bank Limited's SHRI RAJKOT DISTRICT CO-OP. BANK LTD. CHARAKHADI branch, located at LIMDA CHOWK,CHARKHADI in CHARAKHDAI, GUJARAT. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.