IFSC Code of The Gujarat State Cooperative Bank Limited, The Bhuj Mercantile Coop Bank Ltd Borivali West Branch, Maharashtra

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, THE BHUJ MERCANTILE COOP BANK LTD BORIVALI WEST branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0UTBM10. 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 GSCB0UTBM10 for The Gujarat State Cooperative Bank Limited – THE BHUJ MERCANTILE COOP BANK LTD BORIVALI WEST — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, GSCB0UTBM10 is the IFSC of The Gujarat State Cooperative Bank Limited's THE BHUJ MERCANTILE COOP BANK LTD BORIVALI WEST branch. The format is fixed: GSCB = bank code, 0 = reserved, UTBM10 = branch identifier.

About The Gujarat State Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the The Bhuj Mercantile Coop Bank Ltd Borivali West branch in Mumbai. 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, GSCB0UTBM10.

About this branch

The branch is located at SHEETAL BUILDING, L.T. ROAD, NEAR DIAMOND TALKIES, BORIVALI WEST, MUMBAI, MAHARASHTRA 400092. It serves the Mumbai 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 GSCB0UTBM10 is used to identify this branch on the RBI payments network.

Branch details at a glance

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how The Gujarat State Cooperative Bank Limited's THE BHUJ MERCANTILE COOP BANK LTD BORIVALI WEST branch came to be assigned the code GSCB0UTBM10.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC GSCB0UTBM10, money simply cannot be routed to the THE BHUJ MERCANTILE COOP BANK LTD BORIVALI WEST branch electronically.

MICR & cheque-truncation details

Cheques drawn on the The Bhuj Mercantile Coop Bank Ltd Borivali West branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0UTBM10 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 GSCB0UTBM10

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 GSCB0UTBM10 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE BHUJ MERCANTILE COOP BANK LTD BORIVALI WEST using IFSC GSCB0UTBM10

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 GSCB0UTBM10, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE BHUJ MERCANTILE COOP BANK LTD BORIVALI WEST. 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 BHUJ MERCANTILE COOP BANK LTD BORIVALI WEST

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE BHUJ MERCANTILE COOP BANK LTD BORIVALI WEST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0UTBM10 while initiating the transfer and the credit will appear within minutes.

IMPS to The Gujarat State Cooperative Bank Limited THE BHUJ MERCANTILE COOP BANK LTD BORIVALI WEST (IFSC GSCB0UTBM10)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0UTBM10 in your mobile or internet banking app, and the money is credited to the THE BHUJ MERCANTILE COOP BANK LTD BORIVALI WEST branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Bhuj Mercantile Coop Bank Ltd Borivali West

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 GSCB0UTBM10:

• 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 BHUJ MERCANTILE COOP BANK LTD BORIVALI WEST is still linked to IFSC GSCB0UTBM10.

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 BHUJ MERCANTILE COOP BANK LTD BORIVALI WEST branch, the IFSC GSCB0UTBM10 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 Bhuj Mercantile Coop Bank Ltd Borivali West branch is mapped to IFSC GSCB0UTBM10 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 GSCB0UTBM10.

Products and services

Customers walking into the The Bhuj Mercantile Coop Bank Ltd Borivali West 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 GSCB0UTBM10

Online banking and IFSC GSCB0UTBM10

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 BHUJ MERCANTILE COOP BANK LTD BORIVALI WEST 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 GSCB0UTBM10 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.

Reaching the branch

The The Bhuj Mercantile Coop Bank Ltd Borivali West branch sits at SHEETAL BUILDING, L.T. ROAD, NEAR DIAMOND TALKIES, BORIVALI WEST, MUMBAI, MAHARASHTRA 400092. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 9512037463 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 GSCB0UTBM10 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 BHUJ MERCANTILE COOP BANK LTD BORIVALI WEST:

• The IFSC is exactly GSCB0UTBM10 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 BHUJ MERCANTILE COOP BANK LTD BORIVALI WEST 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 Bhuj Mercantile Coop Bank Ltd Borivali West branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0UTBM10, however, work 24x7.

Verifying IFSC GSCB0UTBM10 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 GSCB0UTBM10 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9512037463.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0UTBM10 belongs to The Gujarat State Cooperative Bank Limited's THE BHUJ MERCANTILE COOP BANK LTD BORIVALI WEST branch, located at SHEETAL BUILDING, L.T. ROAD, NEAR DIAMOND TALKIES, BORIVALI WEST, MUMBAI,… in MUMBAI, MAHARASHTRA. 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.