IFSC Code of The Gujarat State Cooperative Bank Limited, Unjha Nagrik Sahkari Bank Ltd Kadi Branch, Gujarat

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, UNJHA NAGRIK SAHKARI BANK LTD KADI branch, located in KADI, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0UUNJ03. 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 GSCB0UUNJ03 for The Gujarat State Cooperative Bank Limited – UNJHA NAGRIK SAHKARI BANK LTD KADI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 UNJHA NAGRIK SAHKARI BANK LTD KADI branch, the IFSC GSCB0UUNJ03 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and UUNJ03 identifies this particular branch.

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 Unjha Nagrik Sahkari Bank Ltd Kadi branch in Kadi, Gujarat is part of this network and uses the IFSC code GSCB0UUNJ03 for all electronic settlement.

About this branch

The branch is located at PLATINUM PLAZA. It serves the Kadi 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 GSCB0UUNJ03 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 UNJHA NAGRIK SAHKARI BANK LTD KADI branch came to be assigned the code GSCB0UUNJ03.

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 GSCB0UUNJ03, money simply cannot be routed to the UNJHA NAGRIK SAHKARI BANK LTD KADI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Unjha Nagrik Sahkari Bank Ltd Kadi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0UUNJ03 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC GSCB0UUNJ03

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 GSCB0UUNJ03 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, UNJHA NAGRIK SAHKARI BANK LTD KADI using IFSC GSCB0UUNJ03

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 GSCB0UUNJ03, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – UNJHA NAGRIK SAHKARI BANK LTD KADI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to UNJHA NAGRIK SAHKARI BANK LTD KADI

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's UNJHA NAGRIK SAHKARI BANK LTD KADI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0UUNJ03 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Gujarat State Cooperative Bank Limited – UNJHA NAGRIK SAHKARI BANK LTD KADI, use IMPS. With IFSC GSCB0UUNJ03 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Unjha Nagrik Sahkari Bank Ltd Kadi

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 GSCB0UUNJ03:

• 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 UNJHA NAGRIK SAHKARI BANK LTD KADI is still linked to IFSC GSCB0UUNJ03.

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 UNJHA NAGRIK SAHKARI BANK LTD KADI branch, the IFSC GSCB0UUNJ03 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.

Account types you can open at the Unjha Nagrik Sahkari Bank Ltd Kadi branch

Once you have an account at The Gujarat State Cooperative Bank Limited – UNJHA NAGRIK SAHKARI BANK LTD KADI, the IFSC GSCB0UUNJ03 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 Unjha Nagrik Sahkari Bank Ltd Kadi 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 GSCB0UUNJ03

Digital banking channels

Most day-to-day work that customers used to do at the Unjha Nagrik Sahkari Bank Ltd Kadi 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 GSCB0UUNJ03 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.

How to reach the Unjha Nagrik Sahkari Bank Ltd Kadi branch

The branch is located at PLATINUM PLAZA, which puts it inside Kadi, the broader Mehsana 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 Unjha Nagrik Sahkari Bank Ltd Kadi branch” — the verified location pin for IFSC GSCB0UUNJ03 should appear at the top of the results.
2. Confirm the branch is open by calling 2764-241991 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 GSCB0UUNJ03 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 – UNJHA NAGRIK SAHKARI BANK LTD KADI:

• The IFSC is exactly GSCB0UUNJ03 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 UNJHA NAGRIK SAHKARI BANK LTD KADI 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 Unjha Nagrik Sahkari Bank Ltd Kadi 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 GSCB0UUNJ03 continue to work without interruption.

Verifying IFSC GSCB0UUNJ03 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 GSCB0UUNJ03 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2764-241991.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0UUNJ03 is the IFSC code of The Gujarat State Cooperative Bank Limited, UNJHA NAGRIK SAHKARI BANK LTD KADI branch, in KADI, 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.