IFSC Code of The Gujarat State Cooperative Bank Limited, The Bhabhar Vibhag Nagrik Sahkari Bank Ltd Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's THE BHABHAR VIBHAG NAGRIK SAHKARI BANK LTD branch in DIYODAR, GUJARAT. The branch's IFSC code GSCB0UBHA01 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, GSCB0UBHA01 is the IFSC of The Gujarat State Cooperative Bank Limited's THE BHABHAR VIBHAG NAGRIK SAHKARI BANK LTD branch. The format is fixed: GSCB = bank code, 0 = reserved, UBHA01 = branch identifier.

Branch details at a glance

About the bank

The Gujarat State Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Bhabhar Vibhag Nagrik Sahkari Bank Ltd branch in Diyodar, Gujarat is part of this network and uses the IFSC code GSCB0UBHA01 for all electronic settlement.

About this branch

The branch is located at MAIN BAZAR. It serves the Diyodar 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 GSCB0UBHA01 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 BHABHAR VIBHAG NAGRIK SAHKARI BANK LTD of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0UBHA01 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 GSCB0UBHA01 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 GSCB0UBHA01

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 GSCB0UBHA01 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE BHABHAR VIBHAG NAGRIK SAHKARI BANK LTD using IFSC GSCB0UBHA01

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 GSCB0UBHA01, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE BHABHAR VIBHAG NAGRIK SAHKARI BANK LTD. 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 BHABHAR VIBHAG NAGRIK SAHKARI BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE BHABHAR VIBHAG NAGRIK SAHKARI BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0UBHA01 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 BHABHAR VIBHAG NAGRIK SAHKARI BANK LTD, use IMPS. With IFSC GSCB0UBHA01 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 Bhabhar Vibhag Nagrik Sahkari Bank Ltd

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 GSCB0UBHA01:

• 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 BHABHAR VIBHAG NAGRIK SAHKARI BANK LTD is still linked to IFSC GSCB0UBHA01.

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 BHABHAR VIBHAG NAGRIK SAHKARI BANK LTD branch, the IFSC GSCB0UBHA01 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 The Bhabhar Vibhag Nagrik Sahkari Bank Ltd branch is mapped to IFSC GSCB0UBHA01 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 GSCB0UBHA01.

Banking services available

The The Bhabhar Vibhag Nagrik Sahkari Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2735-244378.

• 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 GSCB0UBHA01

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 GSCB0UBHA01 and the account number together uniquely identify the The Bhabhar Vibhag Nagrik Sahkari Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the The Bhabhar Vibhag Nagrik Sahkari Bank Ltd 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 GSCB0UBHA01 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.

Common mistakes to avoid when using IFSC GSCB0UBHA01

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 BHABHAR VIBHAG NAGRIK SAHKARI BANK LTD, 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: GSCB0UBHA01.
• 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.

How to reach the The Bhabhar Vibhag Nagrik Sahkari Bank Ltd branch

The branch is located at MAIN BAZAR, which puts it inside Diyodar, the broader Banaskantha 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 Bhabhar Vibhag Nagrik Sahkari Bank Ltd branch” — the verified location pin for IFSC GSCB0UBHA01 should appear at the top of the results.
2. Confirm the branch is open by calling 2735-244378 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 GSCB0UBHA01 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0UBHA01 for The Gujarat State Cooperative Bank Limited – THE BHABHAR VIBHAG NAGRIK SAHKARI BANK LTD, 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 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 Bhabhar Vibhag Nagrik Sahkari Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0UBHA01, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0UBHA01 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE BHABHAR VIBHAG NAGRIK SAHKARI BANK LTD branch, in DIYODAR, 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.