IFSC Code of The Gujarat State Cooperative Bank Limited, Ahmedabd District Co Op Bank Ltd Cotton Sale Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's AHMEDABD DISTRICT CO OP BANK LTD COTTON SALE branch in COTTON SALE, GUJARAT. The branch's IFSC code GSCB0ADC097 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 – AHMEDABD DISTRICT CO OP BANK LTD COTTON SALE is GSCB0ADC097. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters ADC097 map to this branch in COTTON SALE, GUJARAT.

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ahmedabd District Co Op Bank Ltd Cotton Sale branch — IFSC GSCB0ADC097 — extends the bank's services to customers in and around Cotton Sale, Gujarat.

About this branch

The branch is located at COTTON CELL SOCIETY COMPOUND. It serves the Cotton Sale 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 GSCB0ADC097 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 AHMEDABD DISTRICT CO OP BANK LTD COTTON SALE of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0ADC097 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 GSCB0ADC097 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Ahmedabd District Co Op Bank Ltd Cotton Sale branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0ADC097 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC GSCB0ADC097

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 GSCB0ADC097 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, AHMEDABD DISTRICT CO OP BANK LTD COTTON SALE using IFSC GSCB0ADC097

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 GSCB0ADC097, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – AHMEDABD DISTRICT CO OP BANK LTD COTTON SALE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to AHMEDABD DISTRICT CO OP BANK LTD COTTON SALE

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's AHMEDABD DISTRICT CO OP BANK LTD COTTON SALE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0ADC097 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 – AHMEDABD DISTRICT CO OP BANK LTD COTTON SALE, use IMPS. With IFSC GSCB0ADC097 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 Ahmedabd District Co Op Bank Ltd Cotton Sale

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 GSCB0ADC097:

• 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 AHMEDABD DISTRICT CO OP BANK LTD COTTON SALE is still linked to IFSC GSCB0ADC097.

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 GSCB0ADC097

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 – AHMEDABD DISTRICT CO OP BANK LTD COTTON SALE is still mapped to IFSC GSCB0ADC097. 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 GSCB0ADC097 and the beneficiary's account number to complete the transfer.

Account types you can open at the Ahmedabd District Co Op Bank Ltd Cotton Sale branch

Once you have an account at The Gujarat State Cooperative Bank Limited – AHMEDABD DISTRICT CO OP BANK LTD COTTON SALE, the IFSC GSCB0ADC097 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Ahmedabd District Co Op Bank Ltd Cotton Sale branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6359974629.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC GSCB0ADC097

Online banking and IFSC GSCB0ADC097

The Gujarat State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AHMEDABD DISTRICT CO OP BANK LTD COTTON SALE 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 GSCB0ADC097 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.

Reaching the branch

The Ahmedabd District Co Op Bank Ltd Cotton Sale branch sits at COTTON CELL SOCIETY COMPOUND. If you are travelling from outside Cotton Sale, search for the branch on a maps application using the bank name and locality, or call 6359974629 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 GSCB0ADC097 and your account number.

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 – AHMEDABD DISTRICT CO OP BANK LTD COTTON SALE:

• The IFSC is exactly GSCB0ADC097 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 AHMEDABD DISTRICT CO OP BANK LTD COTTON SALE 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.

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 Ahmedabd District Co Op Bank Ltd Cotton Sale branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0ADC097, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0ADC097 for The Gujarat State Cooperative Bank Limited – AHMEDABD DISTRICT CO OP BANK LTD COTTON SALE, 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.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0ADC097 is the IFSC code of The Gujarat State Cooperative Bank Limited, AHMEDABD DISTRICT CO OP BANK LTD COTTON SALE branch, in COTTON SALE, 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.