IFSC Code of The Gujarat State Cooperative Bank Limited, Shri Rajkot District Co-Op. Bank Ltd. Lajai Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Gujarat State Cooperative Bank Limited, SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LAJAI branch in LAJAI. The 11-digit IFSC GSCB0RJT061 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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LAJAI 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.

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 – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LAJAI is GSCB0RJT061. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters RJT061 map to this branch in LAJAI, GUJARAT.

About The Gujarat State Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the Shri Rajkot District Co-Op. Bank Ltd. Lajai branch in Lajai. 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, GSCB0RJT061.

About this branch

The branch is located at LAJAI. It serves the Lajai 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 GSCB0RJT061 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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LAJAI branch came to be assigned the code GSCB0RJT061.

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 GSCB0RJT061, money simply cannot be routed to the SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LAJAI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Shri Rajkot District Co-Op. Bank Ltd. Lajai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0RJT061 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 GSCB0RJT061

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 GSCB0RJT061 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LAJAI using IFSC GSCB0RJT061

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 GSCB0RJT061, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LAJAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0RJT061

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 – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LAJAI, ensure your bank's portal accepts IFSC GSCB0RJT061 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LAJAI (IFSC GSCB0RJT061)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0RJT061 in your mobile or internet banking app, and the money is credited to the SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LAJAI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Shri Rajkot District Co-Op. Bank Ltd. Lajai

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 GSCB0RJT061:

• 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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LAJAI is still linked to IFSC GSCB0RJT061.

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 GSCB0RJT061

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 – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LAJAI is still mapped to IFSC GSCB0RJT061. 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 GSCB0RJT061 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Shri Rajkot District Co-Op. Bank Ltd. Lajai branch is mapped to IFSC GSCB0RJT061 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 GSCB0RJT061.

Banking services available

The Shri Rajkot District Co-Op. Bank Ltd. Lajai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2822-285427.

• 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 GSCB0RJT061

Online banking and IFSC GSCB0RJT061

The Gujarat State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LAJAI 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 GSCB0RJT061 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.

How to reach the Shri Rajkot District Co-Op. Bank Ltd. Lajai branch

The branch is located at LAJAI, which puts it inside Lajai, the broader Morbi 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 Shri Rajkot District Co-Op. Bank Ltd. Lajai branch” — the verified location pin for IFSC GSCB0RJT061 should appear at the top of the results.
2. Confirm the branch is open by calling 2822-285427 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 GSCB0RJT061 and your account number.

Common mistakes to avoid when using IFSC GSCB0RJT061

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 – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LAJAI, 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: GSCB0RJT061.
• 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.

Working hours

Branch counters at Shri Rajkot District Co-Op. Bank Ltd. Lajai 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 GSCB0RJT061 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0RJT061 for The Gujarat State Cooperative Bank Limited – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LAJAI, 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 GSCB0RJT061 belongs to The Gujarat State Cooperative Bank Limited's SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LAJAI branch, located at LAJAI in LAJAI, 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.