IFSC Code of The Gujarat State Cooperative Bank Limited, The Bhavnagar District Co Operative Bank Ltd Muldharai Branch, Gujarat

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MULDHARAI branch, located in MULDHARAI, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0BVN077. 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 GSCB0BVN077 for The Gujarat State Cooperative Bank Limited – THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MULDHARAI — 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 BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MULDHARAI is GSCB0BVN077. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters BVN077 map to this branch in MULDHARAI, 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 Bhavnagar District Co Operative Bank Ltd Muldharai branch in Muldharai. 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, GSCB0BVN077.

The Bhavnagar District Co Operative Bank Ltd Muldharai branch overview

Located at TO MULDHARAI TALUKA VALLABHIPUR DIST BHAVNAGAR, the The Bhavnagar District Co Operative Bank Ltd Muldharai branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0BVN077 is required for all interbank electronic transfers routed through this branch.

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 BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MULDHARAI of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0BVN077 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 GSCB0BVN077 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 GSCB0BVN077 and the account number together uniquely identify the The Bhavnagar District Co Operative Bank Ltd Muldharai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC GSCB0BVN077

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 GSCB0BVN077 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MULDHARAI using IFSC GSCB0BVN077

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 GSCB0BVN077, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MULDHARAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MULDHARAI

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MULDHARAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0BVN077 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 – THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MULDHARAI, use IMPS. With IFSC GSCB0BVN077 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC GSCB0BVN077 for The Gujarat State Cooperative Bank Limited – THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MULDHARAI, 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 Bhavnagar District Co Operative Bank Ltd Muldharai 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.

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 MULDHARAI branch, the IFSC GSCB0BVN077 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 Muldharai branch is mapped to IFSC GSCB0BVN077 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 GSCB0BVN077.

Banking services available

The The Bhavnagar District Co Operative Bank Ltd Muldharai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2841-6358329480.

• 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 GSCB0BVN077

Online banking and IFSC GSCB0BVN077

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 MULDHARAI 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 GSCB0BVN077 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 Muldharai branch

The branch is located at TO MULDHARAI TALUKA VALLABHIPUR DIST BHAVNAGAR, which puts it inside Muldharai, the broader Bhavnagar 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 Bhavnagar District Co Operative Bank Ltd Muldharai branch” — the verified location pin for IFSC GSCB0BVN077 should appear at the top of the results.
2. Confirm the branch is open by calling 2841-6358329480 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 GSCB0BVN077 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 MULDHARAI:

• The IFSC is exactly GSCB0BVN077 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 MULDHARAI 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 Muldharai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0BVN077, however, work 24x7.

Verifying IFSC GSCB0BVN077 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 GSCB0BVN077 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2841-6358329480.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0BVN077 belongs to The Gujarat State Cooperative Bank Limited's THE BHAVNAGAR DISTRICT CO OPERATIVE BANK LTD MULDHARAI branch, located at TO MULDHARAI TALUKA VALLABHIPUR DIST BHAVNAGAR in MULDHARAI, 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.