IFSC Code of The Gujarat State Cooperative Bank Limited, The Mehsana Dist Central Co Op Bank Ltd Kharod Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Gujarat State Cooperative Bank Limited, THE MEHSANA DIST CENTRAL CO OP BANK LTD KHAROD branch in KHAROD. The 11-digit IFSC GSCB0MSN049 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Gujarat State Cooperative Bank Limited at the THE MEHSANA DIST CENTRAL CO OP BANK LTD KHAROD location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 MEHSANA DIST CENTRAL CO OP BANK LTD KHAROD branch, the IFSC GSCB0MSN049 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and MSN049 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 Mehsana Dist Central Co Op Bank Ltd Kharod branch in Kharod. 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, GSCB0MSN049.

Branch details at a glance

About the The Mehsana Dist Central Co Op Bank Ltd Kharod branch

The The Mehsana Dist Central Co Op Bank Ltd Kharod branch of The Gujarat State Cooperative Bank Limited is situated at AT AND POST KHAROD BAZAR TA VIJAPUR DIST MEHSANA 382840. 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 GSCB0MSN049 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 MEHSANA DIST CENTRAL CO OP BANK LTD KHAROD of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0MSN049 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 GSCB0MSN049 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 Mehsana Dist Central Co Op Bank Ltd Kharod branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE MEHSANA DIST CENTRAL CO OP BANK LTD KHAROD, the IFSC GSCB0MSN049 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 Mehsana Dist Central Co Op Bank Ltd Kharod branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2763-233541.

• 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 GSCB0MSN049

How to transfer money using IFSC GSCB0MSN049

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 GSCB0MSN049 across all three.

How to use IFSC GSCB0MSN049 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 MEHSANA DIST CENTRAL CO OP BANK LTD KHAROD 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 GSCB0MSN049.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE MEHSANA DIST CENTRAL CO OP BANK LTD KHAROD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to THE MEHSANA DIST CENTRAL 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 MEHSANA DIST CENTRAL CO OP BANK LTD KHAROD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0MSN049 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 MEHSANA DIST CENTRAL CO OP BANK LTD KHAROD, use IMPS. With IFSC GSCB0MSN049 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 Mehsana Dist Central 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 GSCB0MSN049:

• 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 MEHSANA DIST CENTRAL CO OP BANK LTD KHAROD is still linked to IFSC GSCB0MSN049.

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 MEHSANA DIST CENTRAL CO OP BANK LTD KHAROD branch, the IFSC GSCB0MSN049 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.

Online banking and IFSC GSCB0MSN049

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 MEHSANA DIST CENTRAL CO OP BANK LTD KHAROD 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 GSCB0MSN049 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.

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 GSCB0MSN049 and the account number together uniquely identify the The Mehsana Dist Central Co Op Bank Ltd Kharod 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 GSCB0MSN049

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 MEHSANA DIST CENTRAL 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: GSCB0MSN049.
• 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 Mehsana Dist Central Co Op Bank Ltd Kharod branch

The branch is located at AT AND POST KHAROD BAZAR TA VIJAPUR DIST MEHSANA 382840, which puts it inside Kharod, 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 The Mehsana Dist Central Co Op Bank Ltd Kharod branch” — the verified location pin for IFSC GSCB0MSN049 should appear at the top of the results.
2. Confirm the branch is open by calling 2763-233541 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 GSCB0MSN049 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0MSN049 for The Gujarat State Cooperative Bank Limited – THE MEHSANA DIST CENTRAL 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 Mehsana Dist Central 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 GSCB0MSN049 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0MSN049 belongs to The Gujarat State Cooperative Bank Limited's THE MEHSANA DIST CENTRAL CO OP BANK LTD KHAROD branch, located at AT AND POST KHAROD BAZAR TA VIJAPUR DIST MEHSANA 382840 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.