IFSC Code of The Gujarat State Cooperative Bank Limited, The Kheda District Central Co Op Bank Ltd Modaj Branch, Gujarat

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, THE KHEDA DISTRICT CENTRAL CO OP BANK LTD MODAJ branch, located in MODAJ, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0KDC054. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case GSCB0KDC054 for The Gujarat State Cooperative Bank Limited – THE KHEDA DISTRICT CENTRAL CO OP BANK LTD MODAJ — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 KHEDA DISTRICT CENTRAL CO OP BANK LTD MODAJ is GSCB0KDC054. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters KDC054 map to this branch in MODAJ, GUJARAT.

About The Gujarat State Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the The Kheda District Central Co Op Bank Ltd Modaj branch in Modaj. 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, GSCB0KDC054.

About this branch

The branch is located at JUNA GARA. It serves the Modaj 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 GSCB0KDC054 is used to identify this branch on the RBI payments network.

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 THE KHEDA DISTRICT CENTRAL CO OP BANK LTD MODAJ of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0KDC054 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 GSCB0KDC054 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 GSCB0KDC054 and the account number together uniquely identify the The Kheda District Central Co Op Bank Ltd Modaj branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC GSCB0KDC054

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 GSCB0KDC054 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE KHEDA DISTRICT CENTRAL CO OP BANK LTD MODAJ using IFSC GSCB0KDC054

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 GSCB0KDC054, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE KHEDA DISTRICT CENTRAL CO OP BANK LTD MODAJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0KDC054

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 KHEDA DISTRICT CENTRAL CO OP BANK LTD MODAJ, ensure your bank's portal accepts IFSC GSCB0KDC054 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited THE KHEDA DISTRICT CENTRAL CO OP BANK LTD MODAJ (IFSC GSCB0KDC054)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0KDC054 in your mobile or internet banking app, and the money is credited to the THE KHEDA DISTRICT CENTRAL CO OP BANK LTD MODAJ branch account within seconds.

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

All three modes accept the IFSC GSCB0KDC054 for The Gujarat State Cooperative Bank Limited – THE KHEDA DISTRICT CENTRAL CO OP BANK LTD MODAJ, 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 Kheda District Central Co Op Bank Ltd Modaj 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.

UPI payments and IFSC GSCB0KDC054

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 KHEDA DISTRICT CENTRAL CO OP BANK LTD MODAJ is still mapped to IFSC GSCB0KDC054. 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 GSCB0KDC054 and the beneficiary's account number to complete the transfer.

Account types you can open at the The Kheda District Central Co Op Bank Ltd Modaj branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE KHEDA DISTRICT CENTRAL CO OP BANK LTD MODAJ, the IFSC GSCB0KDC054 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 The Kheda District Central Co Op Bank Ltd Modaj 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 GSCB0KDC054

Online banking and IFSC GSCB0KDC054

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 KHEDA DISTRICT CENTRAL CO OP BANK LTD MODAJ 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 GSCB0KDC054 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 Kheda District Central Co Op Bank Ltd Modaj branch

The branch is located at JUNA GARA, which puts it inside Modaj, the broader Kheda 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 Kheda District Central Co Op Bank Ltd Modaj branch” — the verified location pin for IFSC GSCB0KDC054 should appear at the top of the results.
2. Confirm the branch is open by calling 7046995053 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 GSCB0KDC054 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 KHEDA DISTRICT CENTRAL CO OP BANK LTD MODAJ:

• The IFSC is exactly GSCB0KDC054 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 KHEDA DISTRICT CENTRAL CO OP BANK LTD MODAJ 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 Kheda District Central Co Op Bank Ltd Modaj branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0KDC054, however, work 24x7.

Verifying IFSC GSCB0KDC054 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 GSCB0KDC054 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7046995053.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0KDC054 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE KHEDA DISTRICT CENTRAL CO OP BANK LTD MODAJ branch, in MODAJ, 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.