IFSC Code of The Gujarat State Cooperative Bank Limited, Shri Rajkot District Coop. Bank Ltd. Ghuntu Branch, Gujarat

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, SHRI RAJKOT DISTRICT COOP. BANK LTD. GHUNTU branch, located in GHUNTU, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0RJT161. 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 GSCB0RJT161 for The Gujarat State Cooperative Bank Limited – SHRI RAJKOT DISTRICT COOP. BANK LTD. GHUNTU — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – SHRI RAJKOT DISTRICT COOP. BANK LTD. GHUNTU is GSCB0RJT161. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters RJT161 map to this branch in GHUNTU, GUJARAT.

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Shri Rajkot District Coop. Bank Ltd. Ghuntu branch — IFSC GSCB0RJT161 — extends the bank's services to customers in and around Ghuntu, Gujarat.

Branch details at a glance

About this branch

The branch is located at NEAR KHODIYAR MANDIR, HARINAGAR, GHUNTU. It serves the Ghuntu 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 GSCB0RJT161 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 SHRI RAJKOT DISTRICT COOP. BANK LTD. GHUNTU of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0RJT161 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 GSCB0RJT161 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 Shri Rajkot District Coop. Bank Ltd. Ghuntu branch

Once you have an account at The Gujarat State Cooperative Bank Limited – SHRI RAJKOT DISTRICT COOP. BANK LTD. GHUNTU, the IFSC GSCB0RJT161 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 Shri Rajkot District Coop. Bank Ltd. Ghuntu branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9601420008.

• 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 GSCB0RJT161

How to transfer money using IFSC GSCB0RJT161

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 GSCB0RJT161 across all three.

How to use IFSC GSCB0RJT161 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 SHRI RAJKOT DISTRICT COOP. BANK LTD. GHUNTU 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 GSCB0RJT161.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as SHRI RAJKOT DISTRICT COOP. BANK LTD. GHUNTU.
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 SHRI RAJKOT DISTRICT COOP. BANK LTD. GHUNTU

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's SHRI RAJKOT DISTRICT COOP. BANK LTD. GHUNTU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0RJT161 while initiating the transfer and the credit will appear within minutes.

IMPS to The Gujarat State Cooperative Bank Limited SHRI RAJKOT DISTRICT COOP. BANK LTD. GHUNTU (IFSC GSCB0RJT161)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0RJT161 in your mobile or internet banking app, and the money is credited to the SHRI RAJKOT DISTRICT COOP. BANK LTD. GHUNTU branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Shri Rajkot District Coop. Bank Ltd. Ghuntu

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 GSCB0RJT161:

• 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 SHRI RAJKOT DISTRICT COOP. BANK LTD. GHUNTU is still linked to IFSC GSCB0RJT161.

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 SHRI RAJKOT DISTRICT COOP. BANK LTD. GHUNTU branch, the IFSC GSCB0RJT161 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 Shri Rajkot District Coop. Bank Ltd. Ghuntu 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 GSCB0RJT161 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 GSCB0RJT161 and the account number together uniquely identify the Shri Rajkot District Coop. Bank Ltd. Ghuntu 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 GSCB0RJT161

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 – SHRI RAJKOT DISTRICT COOP. BANK LTD. GHUNTU, 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: GSCB0RJT161.
• 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 Shri Rajkot District Coop. Bank Ltd. Ghuntu branch sits at NEAR KHODIYAR MANDIR, HARINAGAR, GHUNTU. If you are travelling from outside Ghuntu, search for the branch on a maps application using the bank name and locality, or call 9601420008 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 GSCB0RJT161 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0RJT161 for The Gujarat State Cooperative Bank Limited – SHRI RAJKOT DISTRICT COOP. BANK LTD. GHUNTU, 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 Shri Rajkot District Coop. Bank Ltd. Ghuntu 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 GSCB0RJT161 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0RJT161 belongs to The Gujarat State Cooperative Bank Limited's SHRI RAJKOT DISTRICT COOP. BANK LTD. GHUNTU branch, located at NEAR KHODIYAR MANDIR, HARINAGAR, GHUNTU in GHUNTU, 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.