IFSC Code of The Gujarat State Cooperative Bank Limited, The Junagadh Jilla Sahakari Bank Ltd Makhiyala Branch, Gujarat

If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, THE JUNAGADH JILLA SAHAKARI BANK LTD MAKHIYALA branch in MAKHIYALA, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0JND028. 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 JUNAGADH JILLA SAHAKARI BANK LTD MAKHIYALA branch, and detailed step-by-step guides for using the IFSC GSCB0JND028 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 – THE JUNAGADH JILLA SAHAKARI BANK LTD MAKHIYALA is GSCB0JND028. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters JND028 map to this branch in MAKHIYALA, GUJARAT.

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 Junagadh Jilla Sahakari Bank Ltd Makhiyala branch in Makhiyala, Gujarat is part of this network and uses the IFSC code GSCB0JND028 for all electronic settlement.

Branch details at a glance

The Junagadh Jilla Sahakari Bank Ltd Makhiyala branch overview

Located at DHORAJI JUNAGADH MAIN ROAD, MAKHIYALA 362014, the The Junagadh Jilla Sahakari Bank Ltd Makhiyala branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0JND028 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 JUNAGADH JILLA SAHAKARI BANK LTD MAKHIYALA of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0JND028 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 GSCB0JND028 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 Junagadh Jilla Sahakari Bank Ltd Makhiyala branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE JUNAGADH JILLA SAHAKARI BANK LTD MAKHIYALA, the IFSC GSCB0JND028 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 Junagadh Jilla Sahakari Bank Ltd Makhiyala branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 285-2687122.

• 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 GSCB0JND028

How to transfer money using IFSC GSCB0JND028

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 GSCB0JND028 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE JUNAGADH JILLA SAHAKARI BANK LTD MAKHIYALA using IFSC GSCB0JND028

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 GSCB0JND028, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE JUNAGADH JILLA SAHAKARI BANK LTD MAKHIYALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0JND028

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 JUNAGADH JILLA SAHAKARI BANK LTD MAKHIYALA, ensure your bank's portal accepts IFSC GSCB0JND028 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited THE JUNAGADH JILLA SAHAKARI BANK LTD MAKHIYALA (IFSC GSCB0JND028)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0JND028 in your mobile or internet banking app, and the money is credited to the THE JUNAGADH JILLA SAHAKARI BANK LTD MAKHIYALA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Junagadh Jilla Sahakari Bank Ltd Makhiyala

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 GSCB0JND028:

• 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 JUNAGADH JILLA SAHAKARI BANK LTD MAKHIYALA is still linked to IFSC GSCB0JND028.

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 JUNAGADH JILLA SAHAKARI BANK LTD MAKHIYALA branch, the IFSC GSCB0JND028 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.

Digital banking channels

Most day-to-day work that customers used to do at the The Junagadh Jilla Sahakari Bank Ltd Makhiyala 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 GSCB0JND028 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.

MICR & cheque-truncation details

Cheques drawn on the The Junagadh Jilla Sahakari Bank Ltd Makhiyala branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0JND028 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 JUNAGADH JILLA SAHAKARI BANK LTD MAKHIYALA:

• The IFSC is exactly GSCB0JND028 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 JUNAGADH JILLA SAHAKARI BANK LTD MAKHIYALA 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.

Reaching the branch

The The Junagadh Jilla Sahakari Bank Ltd Makhiyala branch sits at DHORAJI JUNAGADH MAIN ROAD, MAKHIYALA 362014. If you are travelling from outside Makhiyala, search for the branch on a maps application using the bank name and locality, or call 285-2687122 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 GSCB0JND028 and your account number.

Verifying IFSC GSCB0JND028 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 GSCB0JND028 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 285-2687122.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Junagadh Jilla Sahakari Bank Ltd Makhiyala 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 GSCB0JND028 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0JND028 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE JUNAGADH JILLA SAHAKARI BANK LTD MAKHIYALA branch, in MAKHIYALA, 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.