IFSC Code of The Gujarat State Cooperative Bank Limited, The Banaskantha Dist Cent Co Op Bank Ltd Deesa Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Gujarat State Cooperative Bank Limited, THE BANASKANTHA DIST CENT CO OP BANK LTD DEESA branch in DEESA. The 11-digit IFSC GSCB0BKD002 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Gujarat State Cooperative Bank Limited at the THE BANASKANTHA DIST CENT CO OP BANK LTD DEESA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 BANASKANTHA DIST CENT CO OP BANK LTD DEESA is GSCB0BKD002. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters BKD002 map to this branch in DEESA, GUJARAT.

About The Gujarat State Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the The Banaskantha Dist Cent Co Op Bank Ltd Deesa branch in Deesa. 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, GSCB0BKD002.

Branch details at a glance

The Banaskantha Dist Cent Co Op Bank Ltd Deesa branch overview

Located at BESIDE COURT NR FUVARA AT POST DEESA, the The Banaskantha Dist Cent Co Op Bank Ltd Deesa branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0BKD002 is required for all interbank electronic transfers routed through this branch.

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 BANASKANTHA DIST CENT CO OP BANK LTD DEESA of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0BKD002 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 GSCB0BKD002 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the The Banaskantha Dist Cent Co Op Bank Ltd Deesa branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE BANASKANTHA DIST CENT CO OP BANK LTD DEESA, the IFSC GSCB0BKD002 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 The Banaskantha Dist Cent Co Op Bank Ltd Deesa branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2744-220052.

• 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 GSCB0BKD002

How to transfer money using IFSC GSCB0BKD002

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 GSCB0BKD002 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE BANASKANTHA DIST CENT CO OP BANK LTD DEESA using IFSC GSCB0BKD002

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 GSCB0BKD002, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE BANASKANTHA DIST CENT CO OP BANK LTD DEESA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0BKD002

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to The Gujarat State Cooperative Bank Limited – THE BANASKANTHA DIST CENT CO OP BANK LTD DEESA, ensure your bank's portal accepts IFSC GSCB0BKD002 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited THE BANASKANTHA DIST CENT CO OP BANK LTD DEESA (IFSC GSCB0BKD002)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0BKD002 in your mobile or internet banking app, and the money is credited to the THE BANASKANTHA DIST CENT CO OP BANK LTD DEESA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Banaskantha Dist Cent Co Op Bank Ltd Deesa

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 GSCB0BKD002:

• 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 BANASKANTHA DIST CENT CO OP BANK LTD DEESA is still linked to IFSC GSCB0BKD002.

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.

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 BANASKANTHA DIST CENT CO OP BANK LTD DEESA branch, the IFSC GSCB0BKD002 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 GSCB0BKD002

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 BANASKANTHA DIST CENT CO OP BANK LTD DEESA 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 GSCB0BKD002 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 code & cheque clearing

Apart from IFSC, every cheque book issued by The Gujarat State Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC GSCB0BKD002 and the account number together uniquely identify the The Banaskantha Dist Cent Co Op Bank Ltd Deesa branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC GSCB0BKD002

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 BANASKANTHA DIST CENT CO OP BANK LTD DEESA, 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: GSCB0BKD002.
• 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 Banaskantha Dist Cent Co Op Bank Ltd Deesa branch sits at BESIDE COURT NR FUVARA AT POST DEESA. If you are travelling from outside Deesa, search for the branch on a maps application using the bank name and locality, or call 2744-220052 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 GSCB0BKD002 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0BKD002 for The Gujarat State Cooperative Bank Limited – THE BANASKANTHA DIST CENT CO OP BANK LTD DEESA, 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 Banaskantha Dist Cent Co Op Bank Ltd Deesa 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 GSCB0BKD002 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0BKD002 belongs to The Gujarat State Cooperative Bank Limited's THE BANASKANTHA DIST CENT CO OP BANK LTD DEESA branch, located at BESIDE COURT NR FUVARA AT POST DEESA in DEESA, 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.