IFSC Code of The Gujarat State Cooperative Bank Limited, The Kheda District Central Co Op Bank Ltd Ghadiya Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's THE KHEDA DISTRICT CENTRAL CO OP BANK LTD GHADIYA branch in GHADIYA, GUJARAT. The branch's IFSC code GSCB0KDC073 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, GSCB0KDC073 is the IFSC of The Gujarat State Cooperative Bank Limited's THE KHEDA DISTRICT CENTRAL CO OP BANK LTD GHADIYA branch. The format is fixed: GSCB = bank code, 0 = reserved, KDC073 = 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 The Kheda District Central Co Op Bank Ltd Ghadiya branch in Ghadiya. 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, GSCB0KDC073.

About this branch

The branch is located at NR MILK DAIRY. It serves the Ghadiya 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 GSCB0KDC073 is used to identify this branch on the RBI payments network.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how The Gujarat State Cooperative Bank Limited's THE KHEDA DISTRICT CENTRAL CO OP BANK LTD GHADIYA branch came to be assigned the code GSCB0KDC073.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC GSCB0KDC073, money simply cannot be routed to the THE KHEDA DISTRICT CENTRAL CO OP BANK LTD GHADIYA branch electronically.

How to transfer money using IFSC GSCB0KDC073

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 GSCB0KDC073 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE KHEDA DISTRICT CENTRAL CO OP BANK LTD GHADIYA using IFSC GSCB0KDC073

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 GSCB0KDC073, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE KHEDA DISTRICT CENTRAL CO OP BANK LTD GHADIYA. 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 KHEDA DISTRICT CENTRAL CO OP BANK LTD GHADIYA

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE KHEDA DISTRICT CENTRAL CO OP BANK LTD GHADIYA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0KDC073 while initiating the transfer and the credit will appear within minutes.

IMPS to The Gujarat State Cooperative Bank Limited THE KHEDA DISTRICT CENTRAL CO OP BANK LTD GHADIYA (IFSC GSCB0KDC073)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0KDC073 in your mobile or internet banking app, and the money is credited to the THE KHEDA DISTRICT CENTRAL CO OP BANK LTD GHADIYA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Kheda District Central Co Op Bank Ltd Ghadiya

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 GSCB0KDC073:

• 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 KHEDA DISTRICT CENTRAL CO OP BANK LTD GHADIYA is still linked to IFSC GSCB0KDC073.

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 GSCB0KDC073

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 – THE KHEDA DISTRICT CENTRAL CO OP BANK LTD GHADIYA is still mapped to IFSC GSCB0KDC073. 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 GSCB0KDC073 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the The Kheda District Central Co Op Bank Ltd Ghadiya branch is mapped to IFSC GSCB0KDC073 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 GSCB0KDC073.

Products and services

Customers walking into the The Kheda District Central Co Op Bank Ltd Ghadiya 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 GSCB0KDC073

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 GSCB0KDC073 and the account number together uniquely identify the The Kheda District Central Co Op Bank Ltd Ghadiya 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 Kheda District Central Co Op Bank Ltd Ghadiya 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 GSCB0KDC073 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 – THE KHEDA DISTRICT CENTRAL CO OP BANK LTD GHADIYA:

• The IFSC is exactly GSCB0KDC073 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 KHEDA DISTRICT CENTRAL CO OP BANK LTD GHADIYA 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.

How to reach the The Kheda District Central Co Op Bank Ltd Ghadiya branch

The branch is located at NR MILK DAIRY, which puts it inside Ghadiya, the broader Kheda 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 Kheda District Central Co Op Bank Ltd Ghadiya branch” — the verified location pin for IFSC GSCB0KDC073 should appear at the top of the results.
2. Confirm the branch is open by calling 7046995072 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 GSCB0KDC073 and your account number.

Verifying IFSC GSCB0KDC073 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm GSCB0KDC073 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7046995072.
• Visiting the bank's official branch locator page.

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 Kheda District Central Co Op Bank Ltd Ghadiya branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0KDC073, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0KDC073 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE KHEDA DISTRICT CENTRAL CO OP BANK LTD GHADIYA branch, in GHADIYA, 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.