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

If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LODHIKA branch in LODHIKA, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0RJT023. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LODHIKA branch, and detailed step-by-step guides for using the IFSC GSCB0RJT023 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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. LODHIKA is GSCB0RJT023. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters RJT023 map to this branch in LODHIKA, GUJARAT.

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Shri Rajkot District Co-Op. Bank Ltd. Lodhika branch — IFSC GSCB0RJT023 — extends the bank's services to customers in and around Lodhika, Gujarat.

Shri Rajkot District Co-Op. Bank Ltd. Lodhika branch overview

Located at CHANDALI NAKA, NEAR RAMAPIR TEMPLE,, the Shri Rajkot District Co-Op. Bank Ltd. Lodhika branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0RJT023 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LODHIKA of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0RJT023 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 GSCB0RJT023 the same way you would treat your account number — verify it once and save it carefully for future use.

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 GSCB0RJT023 and the account number together uniquely identify the Shri Rajkot District Co-Op. Bank Ltd. Lodhika branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC GSCB0RJT023

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 GSCB0RJT023 across all three.

How to use IFSC GSCB0RJT023 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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LODHIKA 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 GSCB0RJT023.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LODHIKA.
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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LODHIKA

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LODHIKA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0RJT023 while initiating the transfer and the credit will appear within minutes.

IMPS to The Gujarat State Cooperative Bank Limited SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LODHIKA (IFSC GSCB0RJT023)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0RJT023 in your mobile or internet banking app, and the money is credited to the SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LODHIKA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC GSCB0RJT023 for The Gujarat State Cooperative Bank Limited – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LODHIKA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Shri Rajkot District Co-Op. Bank Ltd. Lodhika branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LODHIKA branch, the IFSC GSCB0RJT023 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 Shri Rajkot District Co-Op. Bank Ltd. Lodhika branch

Once you have an account at The Gujarat State Cooperative Bank Limited – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LODHIKA, the IFSC GSCB0RJT023 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 Shri Rajkot District Co-Op. Bank Ltd. Lodhika 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 GSCB0RJT023

Online banking and IFSC GSCB0RJT023

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. LODHIKA 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 GSCB0RJT023 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 Shri Rajkot District Co-Op. Bank Ltd. Lodhika branch sits at CHANDALI NAKA, NEAR RAMAPIR TEMPLE,. If you are travelling from outside Lodhika, search for the branch on a maps application using the bank name and locality, or call 2827-244231 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 GSCB0RJT023 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 – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LODHIKA:

• The IFSC is exactly GSCB0RJT023 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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LODHIKA 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 Shri Rajkot District Co-Op. Bank Ltd. Lodhika 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 GSCB0RJT023 continue to work without interruption.

Verifying IFSC GSCB0RJT023 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 GSCB0RJT023 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2827-244231.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0RJT023 is the IFSC code of The Gujarat State Cooperative Bank Limited, SHRI RAJKOT DISTRICT CO-OP. BANK LTD. LODHIKA branch, in LODHIKA, 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.