IFSC Code of The Gujarat State Cooperative Bank Limited, The Veraval Mercantile Co Op Bank Ltd Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's THE VERAVAL MERCANTILE CO OP BANK LTD branch in JUNAGADH, GUJARAT. The branch's IFSC code GSCB0UVMC05 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 VERAVAL MERCANTILE CO OP BANK LTD branch, the IFSC GSCB0UVMC05 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and UVMC05 identifies this particular branch.

About The Gujarat State Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the The Veraval Mercantile Co Op Bank Ltd branch in Junagadh. 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, GSCB0UVMC05.

About this branch

The branch is located at SUVIDHA MAHARSHI ARVING MARG NR LALAV GATE JUNAGADH 362001. It serves the Junagadh 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 GSCB0UVMC05 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 VERAVAL MERCANTILE CO OP BANK LTD branch came to be assigned the code GSCB0UVMC05.

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 GSCB0UVMC05, money simply cannot be routed to the THE VERAVAL MERCANTILE CO OP BANK LTD branch electronically.

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 GSCB0UVMC05 and the account number together uniquely identify the The Veraval Mercantile Co Op Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC GSCB0UVMC05

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 GSCB0UVMC05 across all three.

How to use IFSC GSCB0UVMC05 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 THE VERAVAL MERCANTILE CO OP BANK LTD 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 GSCB0UVMC05.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE VERAVAL MERCANTILE CO OP BANK LTD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC GSCB0UVMC05

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 VERAVAL MERCANTILE CO OP BANK LTD, ensure your bank's portal accepts IFSC GSCB0UVMC05 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited THE VERAVAL MERCANTILE CO OP BANK LTD (IFSC GSCB0UVMC05)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0UVMC05 in your mobile or internet banking app, and the money is credited to the THE VERAVAL MERCANTILE CO OP BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Veraval Mercantile Co Op Bank Ltd

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 GSCB0UVMC05:

• 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 VERAVAL MERCANTILE CO OP BANK LTD is still linked to IFSC GSCB0UVMC05.

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 VERAVAL MERCANTILE CO OP BANK LTD branch, the IFSC GSCB0UVMC05 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.

Products and account variants supported

Every account opened at the The Veraval Mercantile Co Op Bank Ltd branch is mapped to IFSC GSCB0UVMC05 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 GSCB0UVMC05.

Products and services

Customers walking into the The Veraval Mercantile Co Op 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 GSCB0UVMC05

Online banking and IFSC GSCB0UVMC05

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 VERAVAL MERCANTILE CO OP BANK LTD 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 GSCB0UVMC05 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.

Reaching the branch

The The Veraval Mercantile Co Op Bank Ltd branch sits at SUVIDHA MAHARSHI ARVING MARG NR LALAV GATE 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 285-2652392 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 GSCB0UVMC05 and your account number.

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 VERAVAL MERCANTILE CO OP BANK LTD:

• The IFSC is exactly GSCB0UVMC05 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 VERAVAL MERCANTILE CO OP BANK LTD 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.

Working hours

Branch counters at The Veraval Mercantile Co Op 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 GSCB0UVMC05 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0UVMC05 for The Gujarat State Cooperative Bank Limited – THE VERAVAL MERCANTILE CO OP 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0UVMC05 belongs to The Gujarat State Cooperative Bank Limited's THE VERAVAL MERCANTILE CO OP BANK LTD branch, located at SUVIDHA MAHARSHI ARVING MARG NR LALAV GATE JUNAGADH 362001 in JUNAGADH, 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.