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

If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, THE HALOL MERCANTILE COOP BANK LTD branch in HALOL, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0UHMCBL. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the THE HALOL MERCANTILE COOP BANK LTD branch, and detailed step-by-step guides for using the IFSC GSCB0UHMCBL across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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, GSCB0UHMCBL is the IFSC of The Gujarat State Cooperative Bank Limited's THE HALOL MERCANTILE COOP BANK LTD branch. The format is fixed: GSCB = bank code, 0 = reserved, UHMCBL = branch identifier.

About The Gujarat State Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the The Halol Mercantile Coop Bank Ltd branch in Halol. 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, GSCB0UHMCBL.

Branch details at a glance

About the The Halol Mercantile Coop Bank Ltd branch

The The Halol Mercantile Coop Bank Ltd branch of The Gujarat State Cooperative Bank Limited is situated at THE HALOL MERCANTILE COOP BANK LTD.,SAHYOG,PAVAGADH ROAD,HALOL-389350,DIST.PANCHMAHAL,P.B.NO.20. 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 GSCB0UHMCBL 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 HALOL MERCANTILE COOP BANK LTD of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0UHMCBL 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 GSCB0UHMCBL 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 Halol Mercantile Coop Bank Ltd branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE HALOL MERCANTILE COOP BANK LTD, the IFSC GSCB0UHMCBL 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 Halol 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 GSCB0UHMCBL

How to transfer money using IFSC GSCB0UHMCBL

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 GSCB0UHMCBL across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE HALOL MERCANTILE COOP BANK LTD using IFSC GSCB0UHMCBL

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 GSCB0UHMCBL, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE HALOL MERCANTILE COOP BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0UHMCBL

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to The Gujarat State Cooperative Bank Limited – THE HALOL MERCANTILE COOP BANK LTD, ensure your bank's portal accepts IFSC GSCB0UHMCBL while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited THE HALOL MERCANTILE COOP BANK LTD (IFSC GSCB0UHMCBL)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0UHMCBL in your mobile or internet banking app, and the money is credited to the THE HALOL MERCANTILE COOP BANK LTD branch account within seconds.

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

All three modes accept the IFSC GSCB0UHMCBL for The Gujarat State Cooperative Bank Limited – THE HALOL 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 Halol 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.

UPI payments and IFSC GSCB0UHMCBL

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 HALOL MERCANTILE COOP BANK LTD is still mapped to IFSC GSCB0UHMCBL. 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 GSCB0UHMCBL and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the The Halol 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 GSCB0UHMCBL 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 GSCB0UHMCBL and the account number together uniquely identify the The Halol Mercantile Coop Bank Ltd 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 GSCB0UHMCBL

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 HALOL MERCANTILE COOP 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: GSCB0UHMCBL.
• 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 Halol Mercantile Coop Bank Ltd branch

The branch is located at THE HALOL MERCANTILE COOP BANK LTD.,SAHYOG,PAVAGADH ROAD,HALOL-389350,DIST.PANCHMAHAL,P.B.NO.20, which puts it inside Halol, the broader Panchmahal 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 Halol Mercantile Coop Bank Ltd branch” — the verified location pin for IFSC GSCB0UHMCBL should appear at the top of the results.
2. Confirm the branch is open by calling 2676-220658 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 GSCB0UHMCBL and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0UHMCBL for The Gujarat State Cooperative Bank Limited – THE HALOL 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 Halol 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 GSCB0UHMCBL continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0UHMCBL belongs to The Gujarat State Cooperative Bank Limited's THE HALOL MERCANTILE COOP BANK LTD branch, located at THE HALOL MERCANTILE COOP BANK LTD.,SAHYOG,PAVAGADH… in HALOL, 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.