IFSC Code of The Gujarat State Cooperative Bank Limited, Shri Rajkot District Co-Op. Bank Ltd. Morbi Main Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's SHRI RAJKOT DISTRICT CO-OP. BANK LTD. MORBI MAIN branch in MORBI, GUJARAT. The branch's IFSC code GSCB0RJT014 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.

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, GSCB0RJT014 is the IFSC of The Gujarat State Cooperative Bank Limited's SHRI RAJKOT DISTRICT CO-OP. BANK LTD. MORBI MAIN branch. The format is fixed: GSCB = bank code, 0 = reserved, RJT014 = branch identifier.

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Shri Rajkot District Co-Op. Bank Ltd. Morbi Main branch — IFSC GSCB0RJT014 — extends the bank's services to customers in and around Morbi, Gujarat.

Branch details at a glance

About the Shri Rajkot District Co-Op. Bank Ltd. Morbi Main branch

The Shri Rajkot District Co-Op. Bank Ltd. Morbi Main branch of The Gujarat State Cooperative Bank Limited is situated at SANALA ROAD, OPP. MAHESH HOTEL STREET, MORBI. 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 GSCB0RJT014 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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. MORBI MAIN of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0RJT014 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 GSCB0RJT014 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Shri Rajkot District Co-Op. Bank Ltd. Morbi Main branch is mapped to IFSC GSCB0RJT014 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 GSCB0RJT014.

Products and services

Customers walking into the Shri Rajkot District Co-Op. Bank Ltd. Morbi Main 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 GSCB0RJT014

How to transfer money using IFSC GSCB0RJT014

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 GSCB0RJT014 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, SHRI RAJKOT DISTRICT CO-OP. BANK LTD. MORBI MAIN using IFSC GSCB0RJT014

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 GSCB0RJT014, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. MORBI MAIN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SHRI RAJKOT DISTRICT CO-OP. BANK LTD. MORBI MAIN

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's SHRI RAJKOT DISTRICT CO-OP. BANK LTD. MORBI MAIN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0RJT014 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 – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. MORBI MAIN, use IMPS. With IFSC GSCB0RJT014 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 Shri Rajkot District Co-Op. Bank Ltd. Morbi Main

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 GSCB0RJT014:

• 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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. MORBI MAIN is still linked to IFSC GSCB0RJT014.

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 GSCB0RJT014

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 – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. MORBI MAIN is still mapped to IFSC GSCB0RJT014. 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 GSCB0RJT014 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Shri Rajkot District Co-Op. Bank Ltd. Morbi Main 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 GSCB0RJT014 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 Shri Rajkot District Co-Op. Bank Ltd. Morbi Main branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0RJT014 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC GSCB0RJT014

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 – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. MORBI MAIN, 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: GSCB0RJT014.
• 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 Shri Rajkot District Co-Op. Bank Ltd. Morbi Main branch sits at SANALA ROAD, OPP. MAHESH HOTEL STREET, MORBI. If you are travelling from outside Morbi, search for the branch on a maps application using the bank name and locality, or call 2822-232236 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 GSCB0RJT014 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0RJT014 for The Gujarat State Cooperative Bank Limited – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. MORBI MAIN, 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 Shri Rajkot District Co-Op. Bank Ltd. Morbi Main 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 GSCB0RJT014 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0RJT014 belongs to The Gujarat State Cooperative Bank Limited's SHRI RAJKOT DISTRICT CO-OP. BANK LTD. MORBI MAIN branch, located at SANALA ROAD, OPP. MAHESH HOTEL STREET, MORBI in MORBI, 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.