IFSC Code of The Gujarat State Cooperative Bank Limited, The Gandhidham Mercantile Coop Bank Ltd Branch, Gujarat

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, THE GANDHIDHAM MERCANTILE COOP BANK LTD branch, located in GANDHIDHAM, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0UGMCBL. 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 GSCB0UGMCBL for The Gujarat State Cooperative Bank Limited – THE GANDHIDHAM MERCANTILE COOP BANK LTD — 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, GSCB0UGMCBL is the IFSC of The Gujarat State Cooperative Bank Limited's THE GANDHIDHAM MERCANTILE COOP BANK LTD branch. The format is fixed: GSCB = bank code, 0 = reserved, UGMCBL = 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 Gandhidham Mercantile Coop Bank Ltd branch — IFSC GSCB0UGMCBL — extends the bank's services to customers in and around Gandhidham, Gujarat.

Branch details at a glance

The Gandhidham Mercantile Coop Bank Ltd branch overview

Located at THE GANDHIDHAM MERCANTILE COOP BANK LTD.,GMCB BHAVAN,PLOT NO.12,SECTOR NO.9,GANDHIDHAM - 370 201 DIST.KACHCHH, the The Gandhidham Mercantile Coop Bank Ltd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0UGMCBL 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 GANDHIDHAM MERCANTILE COOP BANK LTD of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0UGMCBL 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 GSCB0UGMCBL 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 Gandhidham Mercantile Coop Bank Ltd branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE GANDHIDHAM MERCANTILE COOP BANK LTD, the IFSC GSCB0UGMCBL 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.

Products and services

Customers walking into the The Gandhidham Mercantile Coop Bank Ltd 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 GSCB0UGMCBL

How to transfer money using IFSC GSCB0UGMCBL

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 GSCB0UGMCBL across all three.

How to use IFSC GSCB0UGMCBL 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 GANDHIDHAM MERCANTILE COOP BANK LTD 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 GSCB0UGMCBL.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE GANDHIDHAM MERCANTILE COOP BANK LTD.
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 GANDHIDHAM MERCANTILE COOP 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 GANDHIDHAM MERCANTILE COOP BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0UGMCBL while initiating the transfer and the credit will appear within minutes.

IMPS to The Gujarat State Cooperative Bank Limited THE GANDHIDHAM MERCANTILE COOP BANK LTD (IFSC GSCB0UGMCBL)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0UGMCBL in your mobile or internet banking app, and the money is credited to the THE GANDHIDHAM MERCANTILE COOP BANK LTD branch account within seconds.

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

All three modes accept the IFSC GSCB0UGMCBL for The Gujarat State Cooperative Bank Limited – THE GANDHIDHAM MERCANTILE COOP BANK LTD, 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 Gandhidham Mercantile Coop Bank Ltd 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 GANDHIDHAM MERCANTILE COOP BANK LTD branch, the IFSC GSCB0UGMCBL 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.

Digital banking channels

Most day-to-day work that customers used to do at the The Gandhidham Mercantile Coop 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 GSCB0UGMCBL 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.

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 GSCB0UGMCBL and the account number together uniquely identify the The Gandhidham Mercantile Coop Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 GANDHIDHAM MERCANTILE COOP BANK LTD:

• The IFSC is exactly GSCB0UGMCBL 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 GANDHIDHAM MERCANTILE COOP BANK LTD 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 The Gandhidham Mercantile Coop Bank Ltd branch sits at THE GANDHIDHAM MERCANTILE COOP BANK LTD.,GMCB BHAVAN,PLOT NO.12,SECTOR NO.9,GANDHIDHAM - 370 201 DIST.KACHCHH. If you are travelling from outside Gandhidham, search for the branch on a maps application using the bank name and locality, or call 2838-230944 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 GSCB0UGMCBL and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0UGMCBL for The Gujarat State Cooperative Bank Limited – THE GANDHIDHAM MERCANTILE COOP 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.

Working hours

Branch counters at The Gandhidham Mercantile Coop Bank Ltd 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 GSCB0UGMCBL continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0UGMCBL is the IFSC code of The Gujarat State Cooperative Bank Limited, THE GANDHIDHAM MERCANTILE COOP BANK LTD branch, in GANDHIDHAM, 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.