IFSC Code of The Gujarat State Cooperative Bank Limited, The Junagadh Jilla Sahakari Bank Ltd Giriraj Soc Junagadh Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's THE JUNAGADH JILLA SAHAKARI BANK LTD GIRIRAJ SOC JUNAGADH branch in JUNAGADH, GUJARAT. The branch's IFSC code GSCB0JND041 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For The Gujarat State Cooperative Bank Limited's THE JUNAGADH JILLA SAHAKARI BANK LTD GIRIRAJ SOC JUNAGADH branch, the IFSC GSCB0JND041 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and JND041 identifies this particular branch.

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 Junagadh Jilla Sahakari Bank Ltd Giriraj Soc Junagadh branch — IFSC GSCB0JND041 — extends the bank's services to customers in and around Junagadh, Gujarat.

Branch details at a glance

About the The Junagadh Jilla Sahakari Bank Ltd Giriraj Soc Junagadh branch

The The Junagadh Jilla Sahakari Bank Ltd Giriraj Soc Junagadh branch of The Gujarat State Cooperative Bank Limited is situated at GIRIRAJ MAIN ROAD, BHAKTIDHAM, APP. UNDER GROUND JUNAGADH 362001. 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 GSCB0JND041 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 JUNAGADH JILLA SAHAKARI BANK LTD GIRIRAJ SOC JUNAGADH of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0JND041 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 GSCB0JND041 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 Junagadh Jilla Sahakari Bank Ltd Giriraj Soc Junagadh branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE JUNAGADH JILLA SAHAKARI BANK LTD GIRIRAJ SOC JUNAGADH, the IFSC GSCB0JND041 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 Junagadh Jilla Sahakari Bank Ltd Giriraj Soc Junagadh 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 GSCB0JND041

How to transfer money using IFSC GSCB0JND041

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 GSCB0JND041 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE JUNAGADH JILLA SAHAKARI BANK LTD GIRIRAJ SOC JUNAGADH using IFSC GSCB0JND041

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 GSCB0JND041, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE JUNAGADH JILLA SAHAKARI BANK LTD GIRIRAJ SOC JUNAGADH. 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 JUNAGADH JILLA SAHAKARI BANK LTD GIRIRAJ SOC JUNAGADH

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE JUNAGADH JILLA SAHAKARI BANK LTD GIRIRAJ SOC JUNAGADH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0JND041 while initiating the transfer and the credit will appear within minutes.

IMPS to The Gujarat State Cooperative Bank Limited THE JUNAGADH JILLA SAHAKARI BANK LTD GIRIRAJ SOC JUNAGADH (IFSC GSCB0JND041)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0JND041 in your mobile or internet banking app, and the money is credited to the THE JUNAGADH JILLA SAHAKARI BANK LTD GIRIRAJ SOC JUNAGADH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Junagadh Jilla Sahakari Bank Ltd Giriraj Soc Junagadh

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 GSCB0JND041:

• 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 JUNAGADH JILLA SAHAKARI BANK LTD GIRIRAJ SOC JUNAGADH is still linked to IFSC GSCB0JND041.

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 THE JUNAGADH JILLA SAHAKARI BANK LTD GIRIRAJ SOC JUNAGADH branch, the IFSC GSCB0JND041 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 Junagadh Jilla Sahakari Bank Ltd Giriraj Soc Junagadh 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 GSCB0JND041 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 GSCB0JND041 and the account number together uniquely identify the The Junagadh Jilla Sahakari Bank Ltd Giriraj Soc Junagadh 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 GSCB0JND041

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 JUNAGADH JILLA SAHAKARI BANK LTD GIRIRAJ SOC JUNAGADH, 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: GSCB0JND041.
• 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 The Junagadh Jilla Sahakari Bank Ltd Giriraj Soc Junagadh branch sits at GIRIRAJ MAIN ROAD, BHAKTIDHAM, APP. UNDER GROUND JUNAGADH 362001. If you are travelling from outside Junagadh, search for the branch on a maps application using the bank name and locality, or call 285-2632363 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 GSCB0JND041 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0JND041 for The Gujarat State Cooperative Bank Limited – THE JUNAGADH JILLA SAHAKARI BANK LTD GIRIRAJ SOC JUNAGADH, 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 Junagadh Jilla Sahakari Bank Ltd Giriraj Soc Junagadh 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 GSCB0JND041 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0JND041 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE JUNAGADH JILLA SAHAKARI BANK LTD GIRIRAJ SOC JUNAGADH branch, in JUNAGADH, 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.