IFSC Code of The Gujarat State Cooperative Bank Limited, The Panchmahal District Co Op Bank Ltd Vardhari Road Lunawada Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's THE PANCHMAHAL DISTRICT CO OP BANK LTD VARDHARI ROAD LUNAWADA branch in LUNAWADA, GUJARAT. The branch's IFSC code GSCB0PDC064 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.

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 PANCHMAHAL DISTRICT CO OP BANK LTD VARDHARI ROAD LUNAWADA branch, the IFSC GSCB0PDC064 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and PDC064 identifies this particular branch.

Branch details at a glance

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 Panchmahal District Co Op Bank Ltd Vardhari Road Lunawada branch in Lunawada, Gujarat is part of this network and uses the IFSC code GSCB0PDC064 for all electronic settlement.

The Panchmahal District Co Op Bank Ltd Vardhari Road Lunawada branch overview

Located at BESIDE CHHAPAIYA DHAM SOCIETY, VARDHARI ROAD, AT.PO.&TA-LUNAWADA, DIST-MAHISAGAR-389230, the The Panchmahal District Co Op Bank Ltd Vardhari Road Lunawada branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0PDC064 is required for all interbank electronic transfers routed through this branch.

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 PANCHMAHAL DISTRICT CO OP BANK LTD VARDHARI ROAD LUNAWADA of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0PDC064 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 GSCB0PDC064 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC GSCB0PDC064

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 GSCB0PDC064 across all three.

How to use IFSC GSCB0PDC064 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 PANCHMAHAL DISTRICT CO OP BANK LTD VARDHARI ROAD LUNAWADA 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 GSCB0PDC064.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE PANCHMAHAL DISTRICT CO OP BANK LTD VARDHARI ROAD LUNAWADA.
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 PANCHMAHAL DISTRICT CO OP BANK LTD VARDHARI ROAD LUNAWADA

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE PANCHMAHAL DISTRICT CO OP BANK LTD VARDHARI ROAD LUNAWADA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0PDC064 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 PANCHMAHAL DISTRICT CO OP BANK LTD VARDHARI ROAD LUNAWADA, use IMPS. With IFSC GSCB0PDC064 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 Panchmahal District Co Op Bank Ltd Vardhari Road Lunawada

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 GSCB0PDC064:

• 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 PANCHMAHAL DISTRICT CO OP BANK LTD VARDHARI ROAD LUNAWADA is still linked to IFSC GSCB0PDC064.

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 GSCB0PDC064

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 PANCHMAHAL DISTRICT CO OP BANK LTD VARDHARI ROAD LUNAWADA is still mapped to IFSC GSCB0PDC064. 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 GSCB0PDC064 and the beneficiary's account number to complete the transfer.

Account types you can open at the The Panchmahal District Co Op Bank Ltd Vardhari Road Lunawada branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE PANCHMAHAL DISTRICT CO OP BANK LTD VARDHARI ROAD LUNAWADA, the IFSC GSCB0PDC064 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 Panchmahal District Co Op Bank Ltd Vardhari Road Lunawada branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7990164712.

• 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 GSCB0PDC064

MICR & cheque-truncation details

Cheques drawn on the The Panchmahal District Co Op Bank Ltd Vardhari Road Lunawada branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0PDC064 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the The Panchmahal District Co Op Bank Ltd Vardhari Road Lunawada 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 GSCB0PDC064 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.

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 – THE PANCHMAHAL DISTRICT CO OP BANK LTD VARDHARI ROAD LUNAWADA:

• The IFSC is exactly GSCB0PDC064 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 THE PANCHMAHAL DISTRICT CO OP BANK LTD VARDHARI ROAD LUNAWADA 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.

How to reach the The Panchmahal District Co Op Bank Ltd Vardhari Road Lunawada branch

The branch is located at BESIDE CHHAPAIYA DHAM SOCIETY, VARDHARI ROAD, AT.PO.&TA-LUNAWADA, DIST-MAHISAGAR-389230, which puts it inside Lunawada, the broader Mahisagar 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 Panchmahal District Co Op Bank Ltd Vardhari Road Lunawada branch” — the verified location pin for IFSC GSCB0PDC064 should appear at the top of the results.
2. Confirm the branch is open by calling 7990164712 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 GSCB0PDC064 and your account number.

Verifying IFSC GSCB0PDC064 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 GSCB0PDC064 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7990164712.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Panchmahal District Co Op Bank Ltd Vardhari Road Lunawada 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 GSCB0PDC064 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0PDC064 belongs to The Gujarat State Cooperative Bank Limited's THE PANCHMAHAL DISTRICT CO OP BANK LTD VARDHARI ROAD LUNAWADA branch, located at BESIDE CHHAPAIYA DHAM SOCIETY, VARDHARI ROAD, AT.PO.&TA-LUNAWADA,… in LUNAWADA, 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.