IFSC Code of The Gujarat State Cooperative Bank Limited, The Bharuch Dist Cent Co-Op Bank Ltd Kharod Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's THE BHARUCH DIST CENT CO-OP BANK LTD KHAROD branch in KHAROD, GUJARAT. The branch's IFSC code GSCB0BRC048 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.

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 – THE BHARUCH DIST CENT CO-OP BANK LTD KHAROD is GSCB0BRC048. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters BRC048 map to this branch in KHAROD, GUJARAT.

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 The Bharuch Dist Cent Co-Op Bank Ltd Kharod branch in Kharod, Gujarat is part of this network and uses the IFSC code GSCB0BRC048 for all electronic settlement.

Branch details at a glance

The Bharuch Dist Cent Co-Op Bank Ltd Kharod branch overview

Located at AT.PO.KHAROD, TA. ANKLESHWAR, DIST. BHARUCH, the The Bharuch Dist Cent Co-Op Bank Ltd Kharod branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0BRC048 is required for all interbank electronic transfers routed through this branch.

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 BHARUCH DIST CENT CO-OP BANK LTD KHAROD branch came to be assigned the code GSCB0BRC048.

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 GSCB0BRC048, money simply cannot be routed to the THE BHARUCH DIST CENT CO-OP BANK LTD KHAROD branch electronically.

Account types you can open at the The Bharuch Dist Cent Co-Op Bank Ltd Kharod branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE BHARUCH DIST CENT CO-OP BANK LTD KHAROD, the IFSC GSCB0BRC048 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 The Bharuch Dist Cent Co-Op Bank Ltd Kharod branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2646-276571.

• 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 GSCB0BRC048

How to transfer money using IFSC GSCB0BRC048

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 GSCB0BRC048 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE BHARUCH DIST CENT CO-OP BANK LTD KHAROD using IFSC GSCB0BRC048

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 GSCB0BRC048, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE BHARUCH DIST CENT CO-OP BANK LTD KHAROD. 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 BHARUCH DIST CENT CO-OP BANK LTD KHAROD

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE BHARUCH DIST CENT CO-OP BANK LTD KHAROD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0BRC048 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 – THE BHARUCH DIST CENT CO-OP BANK LTD KHAROD, use IMPS. With IFSC GSCB0BRC048 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 The Bharuch Dist Cent Co-Op Bank Ltd Kharod

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 GSCB0BRC048:

• 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 BHARUCH DIST CENT CO-OP BANK LTD KHAROD is still linked to IFSC GSCB0BRC048.

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.

UPI payments and IFSC GSCB0BRC048

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 BHARUCH DIST CENT CO-OP BANK LTD KHAROD is still mapped to IFSC GSCB0BRC048. 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 GSCB0BRC048 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 Bharuch Dist Cent Co-Op Bank Ltd Kharod 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 GSCB0BRC048 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 & cheque-truncation details

Cheques drawn on the The Bharuch Dist Cent Co-Op Bank Ltd Kharod branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0BRC048 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC GSCB0BRC048

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 BHARUCH DIST CENT CO-OP BANK LTD KHAROD, 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: GSCB0BRC048.
• 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 Bharuch Dist Cent Co-Op Bank Ltd Kharod branch

The branch is located at AT.PO.KHAROD, TA. ANKLESHWAR, DIST. BHARUCH, which puts it inside Kharod, the broader Bharuch 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 Bharuch Dist Cent Co-Op Bank Ltd Kharod branch” — the verified location pin for IFSC GSCB0BRC048 should appear at the top of the results.
2. Confirm the branch is open by calling 2646-276571 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 GSCB0BRC048 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0BRC048 for The Gujarat State Cooperative Bank Limited – THE BHARUCH DIST CENT CO-OP BANK LTD KHAROD, 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 Bharuch Dist Cent Co-Op Bank Ltd Kharod 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 GSCB0BRC048 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0BRC048 belongs to The Gujarat State Cooperative Bank Limited's THE BHARUCH DIST CENT CO-OP BANK LTD KHAROD branch, located at AT.PO.KHAROD, TA. ANKLESHWAR, DIST. BHARUCH in KHAROD, 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.