IFSC Code of The Gujarat State Cooperative Bank Limited, Shree Morbi Nagarik Sahakari Bank Ltd Branch, Gujarat

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, SHREE MORBI NAGARIK SAHAKARI BANK LTD branch, located in MORVI, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0USMNBL. 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 GSCB0USMNBL for The Gujarat State Cooperative Bank Limited – SHREE MORBI NAGARIK SAHAKARI BANK LTD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 SHREE MORBI NAGARIK SAHAKARI BANK LTD branch, the IFSC GSCB0USMNBL breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and USMNBL identifies this particular branch.

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Shree Morbi Nagarik Sahakari Bank Ltd branch — IFSC GSCB0USMNBL — extends the bank's services to customers in and around Morvi, Gujarat.

About the Shree Morbi Nagarik Sahakari Bank Ltd branch

The Shree Morbi Nagarik Sahakari Bank Ltd branch of The Gujarat State Cooperative Bank Limited is situated at SHREE MORBI NAGARIK SAHAKARI BANK LTD.,OPP.LOHANA VIDHYARTHI BHAVAN,VASANT PLOT,MORBI-363641. 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 GSCB0USMNBL is used.

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 SHREE MORBI NAGARIK SAHAKARI BANK LTD of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0USMNBL 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 GSCB0USMNBL 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 GSCB0USMNBL and the account number together uniquely identify the Shree Morbi Nagarik Sahakari Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC GSCB0USMNBL

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 GSCB0USMNBL across all three.

NEFT to The Gujarat State Cooperative Bank Limited, SHREE MORBI NAGARIK SAHAKARI BANK LTD using IFSC GSCB0USMNBL

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 GSCB0USMNBL, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – SHREE MORBI NAGARIK 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 GSCB0USMNBL

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 – SHREE MORBI NAGARIK SAHAKARI BANK LTD, ensure your bank's portal accepts IFSC GSCB0USMNBL while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited SHREE MORBI NAGARIK SAHAKARI BANK LTD (IFSC GSCB0USMNBL)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0USMNBL in your mobile or internet banking app, and the money is credited to the SHREE MORBI NAGARIK SAHAKARI BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Shree Morbi Nagarik Sahakari Bank Ltd

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 GSCB0USMNBL:

• 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 SHREE MORBI NAGARIK SAHAKARI BANK LTD is still linked to IFSC GSCB0USMNBL.

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 GSCB0USMNBL

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 – SHREE MORBI NAGARIK SAHAKARI BANK LTD is still mapped to IFSC GSCB0USMNBL. 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 GSCB0USMNBL and the beneficiary's account number to complete the transfer.

Account types you can open at the Shree Morbi Nagarik Sahakari Bank Ltd branch

Once you have an account at The Gujarat State Cooperative Bank Limited – SHREE MORBI NAGARIK SAHAKARI BANK LTD, the IFSC GSCB0USMNBL 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 Shree Morbi Nagarik Sahakari Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2822-222118.

• 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 GSCB0USMNBL

Online banking and IFSC GSCB0USMNBL

The Gujarat State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SHREE MORBI NAGARIK 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 GSCB0USMNBL 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 Shree Morbi Nagarik Sahakari Bank Ltd branch

The branch is located at SHREE MORBI NAGARIK SAHAKARI BANK LTD.,OPP.LOHANA VIDHYARTHI BHAVAN,VASANT PLOT,MORBI-363641, which puts it inside Morvi, the broader Rajkot 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 Shree Morbi Nagarik Sahakari Bank Ltd branch” — the verified location pin for IFSC GSCB0USMNBL should appear at the top of the results.
2. Confirm the branch is open by calling 2822-222118 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 GSCB0USMNBL 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 – SHREE MORBI NAGARIK SAHAKARI BANK LTD:

• The IFSC is exactly GSCB0USMNBL 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 SHREE MORBI NAGARIK SAHAKARI BANK LTD 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 Shree Morbi Nagarik Sahakari Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0USMNBL, however, work 24x7.

Verifying IFSC GSCB0USMNBL 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 GSCB0USMNBL by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2822-222118.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0USMNBL belongs to The Gujarat State Cooperative Bank Limited's SHREE MORBI NAGARIK SAHAKARI BANK LTD branch, located at SHREE MORBI NAGARIK SAHAKARI BANK LTD.,OPP.LOHANA VIDHYARTHI BHAVAN,VASANT… in MORVI, 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.