IFSC Code of The Gujarat State Cooperative Bank Limited, The Lakhwad Nagrik Sahakari Bank Ltd. Branch, Gujarat

If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, THE LAKHWAD NAGRIK SAHAKARI BANK LTD. branch in MAHESANA, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0ULAKHW. 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 THE LAKHWAD NAGRIK SAHAKARI BANK LTD. branch, and detailed step-by-step guides for using the IFSC GSCB0ULAKHW 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, GSCB0ULAKHW is the IFSC of The Gujarat State Cooperative Bank Limited's THE LAKHWAD NAGRIK SAHAKARI BANK LTD. branch. The format is fixed: GSCB = bank code, 0 = reserved, ULAKHW = branch identifier.

Branch details at a glance

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The The Lakhwad Nagrik Sahakari Bank Ltd. branch — IFSC GSCB0ULAKHW — extends the bank's services to customers in and around Mahesana, Gujarat.

About the The Lakhwad Nagrik Sahakari Bank Ltd. branch

The The Lakhwad Nagrik Sahakari Bank Ltd. branch of The Gujarat State Cooperative Bank Limited is situated at THE LAKHWAD NAGRIK SAHAKARI BANK LTD.,AT&PO.LAKHWAD,TA&DIST.MEHSANA-384 001. 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 GSCB0ULAKHW 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 LAKHWAD NAGRIK SAHAKARI BANK LTD. of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0ULAKHW 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 GSCB0ULAKHW 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 GSCB0ULAKHW

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 GSCB0ULAKHW across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE LAKHWAD NAGRIK SAHAKARI BANK LTD. using IFSC GSCB0ULAKHW

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 GSCB0ULAKHW, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE LAKHWAD NAGRIK SAHAKARI BANK LTD.. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0ULAKHW

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 – THE LAKHWAD NAGRIK SAHAKARI BANK LTD., ensure your bank's portal accepts IFSC GSCB0ULAKHW while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Gujarat State Cooperative Bank Limited – THE LAKHWAD NAGRIK SAHAKARI BANK LTD., use IMPS. With IFSC GSCB0ULAKHW and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC GSCB0ULAKHW for The Gujarat State Cooperative Bank Limited – THE LAKHWAD NAGRIK SAHAKARI BANK LTD., 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 The Lakhwad Nagrik Sahakari Bank Ltd. 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 THE LAKHWAD NAGRIK SAHAKARI BANK LTD. branch, the IFSC GSCB0ULAKHW 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.

Products and account variants supported

Every account opened at the The Lakhwad Nagrik Sahakari Bank Ltd. branch is mapped to IFSC GSCB0ULAKHW 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 GSCB0ULAKHW.

Banking services available

The The Lakhwad Nagrik Sahakari Bank Ltd. branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2762-237075.

• 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 GSCB0ULAKHW

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 GSCB0ULAKHW and the account number together uniquely identify the The Lakhwad Nagrik Sahakari Bank Ltd. branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC GSCB0ULAKHW

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 LAKHWAD NAGRIK SAHAKARI BANK LTD. 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 GSCB0ULAKHW 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.

Common mistakes to avoid when using IFSC GSCB0ULAKHW

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 LAKHWAD NAGRIK SAHAKARI BANK LTD., 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: GSCB0ULAKHW.
• 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.

Reaching the branch

The The Lakhwad Nagrik Sahakari Bank Ltd. branch sits at THE LAKHWAD NAGRIK SAHAKARI BANK LTD.,AT&PO.LAKHWAD,TA&DIST.MEHSANA-384 001. If you are travelling from outside Mahesana, search for the branch on a maps application using the bank name and locality, or call 2762-237075 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 GSCB0ULAKHW and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0ULAKHW for The Gujarat State Cooperative Bank Limited – THE LAKHWAD NAGRIK SAHAKARI BANK LTD., 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 Lakhwad Nagrik Sahakari Bank Ltd. 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 GSCB0ULAKHW continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0ULAKHW is the IFSC code of The Gujarat State Cooperative Bank Limited, THE LAKHWAD NAGRIK SAHAKARI BANK LTD. branch, in MAHESANA, 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.