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 GHODIYAL branch in GHODIYAL. The 11-digit IFSC GSCB0BKD093 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 GHODIYAL 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 GHODIYAL is GSCB0BKD093. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters BKD093 map to this branch in GHODIYAL, GUJARAT.
Branch details at a glance
| Bank Name | The Gujarat State Cooperative Bank Limited |
|---|---|
| Branch | The Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal |
| IFSC Code | GSCB0BKD093 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT POST GHODIYAL |
| City | Ghodiyal |
| District | Banaskantha |
| State | Gujarat |
| STD Code | 2739 |
| Phone | 264125 |
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 Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal branch in Ghodiyal, Gujarat is part of this network and uses the IFSC code GSCB0BKD093 for all electronic settlement.
About the The Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal branch
The The Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal branch of The Gujarat State Cooperative Bank Limited is situated at AT POST GHODIYAL. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code GSCB0BKD093 is used.
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 GHODIYAL of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0BKD093 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 GSCB0BKD093 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 GSCB0BKD093
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 GSCB0BKD093 across all three.
NEFT to The Gujarat State Cooperative Bank Limited, THE BANASKANTHA DIST CENT CO OP BANK LTD GHODIYAL using IFSC GSCB0BKD093
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 GSCB0BKD093, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE BANASKANTHA DIST CENT CO OP BANK LTD GHODIYAL. 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 BANASKANTHA DIST CENT CO OP BANK LTD GHODIYAL
If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE BANASKANTHA DIST CENT CO OP BANK LTD GHODIYAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0BKD093 while initiating the transfer and the credit will appear within minutes.
IMPS to The Gujarat State Cooperative Bank Limited THE BANASKANTHA DIST CENT CO OP BANK LTD GHODIYAL (IFSC GSCB0BKD093)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0BKD093 in your mobile or internet banking app, and the money is credited to the THE BANASKANTHA DIST CENT CO OP BANK LTD GHODIYAL branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC GSCB0BKD093 for The Gujarat State Cooperative Bank Limited – THE BANASKANTHA DIST CENT CO OP BANK LTD GHODIYAL, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – GSCB0BKD093 | Yes – GSCB0BKD093 | Yes – GSCB0BKD093 |
For most retail customers crediting the The Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal 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.
UPI payments and IFSC GSCB0BKD093
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 BANASKANTHA DIST CENT CO OP BANK LTD GHODIYAL is still mapped to IFSC GSCB0BKD093. 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 GSCB0BKD093 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the The Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal branch is mapped to IFSC GSCB0BKD093 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 GSCB0BKD093.
Banking services available
The The Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2739-264125.
- 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 GSCB0BKD093
MICR & cheque-truncation details
Cheques drawn on the The Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0BKD093 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC GSCB0BKD093
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 GHODIYAL 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 GSCB0BKD093 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.
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 BANASKANTHA DIST CENT CO OP BANK LTD GHODIYAL:
- The IFSC is exactly GSCB0BKD093 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 BANASKANTHA DIST CENT CO OP BANK LTD GHODIYAL 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 Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal branch
The branch is located at AT POST GHODIYAL, which puts it inside Ghodiyal, the broader Banaskantha district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “The Gujarat State Cooperative Bank Limited The Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal branch” — the verified location pin for IFSC GSCB0BKD093 should appear at the top of the results.
- Confirm the branch is open by calling 2739-264125 before stepping out, especially around public holidays.
- 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 GSCB0BKD093 and your account number.
Verifying IFSC GSCB0BKD093 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 GSCB0BKD093 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2739-264125.
- 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 Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0BKD093, however, work 24x7.
Branch address & contact
The Gujarat State Cooperative Bank LimitedThe Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal Branch
AT POST GHODIYAL
Ghodiyal, Gujarat
Phone: 2739-264125
IFSC: GSCB0BKD093
Frequently asked questions
Is IFSC GSCB0BKD093 the same for all accounts at The Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal branch?
Yes. The IFSC GSCB0BKD093 is shared by every account held at The Gujarat State Cooperative Bank Limited's The Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal branch. Only the account number changes from customer to customer.
Where is The Gujarat State Cooperative Bank Limited The Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal branch located?
The Gujarat State Cooperative Bank Limited's The Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal branch is located at AT POST GHODIYAL, Ghodiyal, Gujarat.
How do I add The Gujarat State Cooperative Bank Limited The Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC GSCB0BKD093, and complete OTP verification. Once activated, you can transfer funds at any time.
Does The Gujarat State Cooperative Bank Limited The Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2739-264125 to confirm.
What is the IFSC code of The Gujarat State Cooperative Bank Limited The Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal branch?
The IFSC code of The Gujarat State Cooperative Bank Limited, The Banaskantha Dist Cent Co Op Bank Ltd Ghodiyal branch is GSCB0BKD093. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC GSCB0BKD093 valid for NEFT and RTGS?
Yes. IFSC GSCB0BKD093 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC GSCB0BKD093 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC GSCB0BKD093 to send funds instantly.
Final notes
To recap: GSCB0BKD093 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE BANASKANTHA DIST CENT CO OP BANK LTD GHODIYAL branch, in GHODIYAL, 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.
More Articles for IFSC Code
IFSC Code of Zila Sahakri Bank Limited Ghaziabad, Loni Branch, Uttar Pradesh
