If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MALVAV branch in MALVAV, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0BVN048. 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 BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MALVAV branch, and detailed step-by-step guides for using the IFSC GSCB0BVN048 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.
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 BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MALVAV branch, the IFSC GSCB0BVN048 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and BVN048 identifies this particular branch.
About The Gujarat State Cooperative Bank Limited
The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the The Bhavnagar District Co Operative Bank Ltd Malvav branch in Malvav. 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, GSCB0BVN048.
About this branch
The branch is located at TO MALVAV TALUKA MAHUVA DIST BHAVNAGAR. It serves the Malvav 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 GSCB0BVN048 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | The Gujarat State Cooperative Bank Limited |
|---|---|
| Branch | The Bhavnagar District Co Operative Bank Ltd Malvav |
| IFSC Code | GSCB0BVN048 |
| MICR Code | Refer to cheque leaf |
| Branch Address | TO MALVAV TALUKA MAHUVA DIST BHAVNAGAR |
| City | Malvav |
| District | Bhavnagar |
| State | Gujarat |
| STD Code | 0 |
| Phone | 6358329449 |
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 BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MALVAV of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0BVN048 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 GSCB0BVN048 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the The Bhavnagar District Co Operative Bank Ltd Malvav branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0BVN048 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 GSCB0BVN048
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 GSCB0BVN048 across all three.
NEFT to The Gujarat State Cooperative Bank Limited, THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MALVAV using IFSC GSCB0BVN048
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 GSCB0BVN048, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MALVAV. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC GSCB0BVN048
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 BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MALVAV, ensure your bank's portal accepts IFSC GSCB0BVN048 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 BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MALVAV, use IMPS. With IFSC GSCB0BVN048 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 Bhavnagar District Co Operative Bank Ltd Malvav
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 GSCB0BVN048:
- 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 BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MALVAV is still linked to IFSC GSCB0BVN048.
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 BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MALVAV branch, the IFSC GSCB0BVN048 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 Bhavnagar District Co Operative Bank Ltd Malvav branch is mapped to IFSC GSCB0BVN048 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 GSCB0BVN048.
Products and services
Customers walking into the The Bhavnagar District Co Operative Bank Ltd Malvav 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 GSCB0BVN048
Online banking and IFSC GSCB0BVN048
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 BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MALVAV 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 GSCB0BVN048 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 The Bhavnagar District Co Operative Bank Ltd Malvav branch
The branch is located at TO MALVAV TALUKA MAHUVA DIST BHAVNAGAR, which puts it inside Malvav, the broader Bhavnagar district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “The Gujarat State Cooperative Bank Limited The Bhavnagar District Co Operative Bank Ltd Malvav branch” — the verified location pin for IFSC GSCB0BVN048 should appear at the top of the results.
- Confirm the branch is open by calling 6358329449 before stepping out, especially around public holidays.
- 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 GSCB0BVN048 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 – THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MALVAV:
- The IFSC is exactly GSCB0BVN048 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 BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MALVAV 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The The Bhavnagar District Co Operative Bank Ltd Malvav branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0BVN048, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC GSCB0BVN048 for The Gujarat State Cooperative Bank Limited – THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MALVAV, 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
The Gujarat State Cooperative Bank LimitedThe Bhavnagar District Co Operative Bank Ltd Malvav Branch
TO MALVAV TALUKA MAHUVA DIST BHAVNAGAR
Malvav, Gujarat
Phone: 6358329449
IFSC: GSCB0BVN048
Frequently asked questions
How quickly will an NEFT transfer using GSCB0BVN048 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Gujarat State Cooperative Bank Limited – The Bhavnagar District Co Operative Bank Ltd Malvav reflect within 30 minutes.
Does The Gujarat State Cooperative Bank Limited The Bhavnagar District Co Operative Bank Ltd Malvav branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6358329449 to confirm.
What is the phone number of The Gujarat State Cooperative Bank Limited The Bhavnagar District Co Operative Bank Ltd Malvav branch?
You can reach the branch at 6358329449 during regular banking hours.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the The Bhavnagar District Co Operative Bank Ltd Malvav branch but serve different purposes.
Is IFSC GSCB0BVN048 valid for NEFT and RTGS?
Yes. IFSC GSCB0BVN048 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC GSCB0BVN048 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC GSCB0BVN048 to send funds instantly.
Is IFSC GSCB0BVN048 the same for all accounts at The Bhavnagar District Co Operative Bank Ltd Malvav branch?
Yes. The IFSC GSCB0BVN048 is shared by every account held at The Gujarat State Cooperative Bank Limited's The Bhavnagar District Co Operative Bank Ltd Malvav branch. Only the account number changes from customer to customer.
Where is The Gujarat State Cooperative Bank Limited The Bhavnagar District Co Operative Bank Ltd Malvav branch located?
The Gujarat State Cooperative Bank Limited's The Bhavnagar District Co Operative Bank Ltd Malvav branch is located at TO MALVAV TALUKA MAHUVA DIST BHAVNAGAR, Malvav, Gujarat.
Summary
The IFSC code GSCB0BVN048 belongs to The Gujarat State Cooperative Bank Limited's THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MALVAV branch, located at TO MALVAV TALUKA MAHUVA DIST BHAVNAGAR in MALVAV, 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.
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