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

If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD NALIYA branch in NALIYA, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0KTC009. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD NALIYA branch, and detailed step-by-step guides for using the IFSC GSCB0KTC009 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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, GSCB0KTC009 is the IFSC of The Gujarat State Cooperative Bank Limited's THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD NALIYA branch. The format is fixed: GSCB = bank code, 0 = reserved, KTC009 = branch identifier.

Branch details at a glance

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The The Kachchh District Central Co Op Bank Ltd Naliya branch — IFSC GSCB0KTC009 — extends the bank's services to customers in and around Naliya, Gujarat.

The Kachchh District Central Co Op Bank Ltd Naliya branch overview

Located at BAZAAR CHOWK NALIYA PIN 370655, the The Kachchh District Central Co Op Bank Ltd Naliya branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0KTC009 is required for all interbank electronic transfers routed through this branch.

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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD NALIYA of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0KTC009 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 GSCB0KTC009 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC GSCB0KTC009

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 GSCB0KTC009 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD NALIYA using IFSC GSCB0KTC009

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 GSCB0KTC009, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD NALIYA. 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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD NALIYA

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD NALIYA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0KTC009 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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD NALIYA, use IMPS. With IFSC GSCB0KTC009 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 GSCB0KTC009 for The Gujarat State Cooperative Bank Limited – THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD NALIYA, 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 Kachchh District Central Co Op Bank Ltd Naliya 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 GSCB0KTC009

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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD NALIYA is still mapped to IFSC GSCB0KTC009. 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 GSCB0KTC009 and the beneficiary's account number to complete the transfer.

Account types you can open at the The Kachchh District Central Co Op Bank Ltd Naliya branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD NALIYA, the IFSC GSCB0KTC009 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 Kachchh District Central Co Op Bank Ltd Naliya 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 GSCB0KTC009

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 GSCB0KTC009 and the account number together uniquely identify the The Kachchh District Central Co Op Bank Ltd Naliya branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC GSCB0KTC009

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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD NALIYA 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 GSCB0KTC009 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.

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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD NALIYA:

• The IFSC is exactly GSCB0KTC009 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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD NALIYA 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.

Reaching the branch

The The Kachchh District Central Co Op Bank Ltd Naliya branch sits at BAZAAR CHOWK NALIYA PIN 370655. If you are travelling from outside Naliya, search for the branch on a maps application using the bank name and locality, or call 2831-222336 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 GSCB0KTC009 and your account number.

Verifying IFSC GSCB0KTC009 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 GSCB0KTC009 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2831-222336.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Kachchh District Central Co Op Bank Ltd Naliya 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 GSCB0KTC009 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0KTC009 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD NALIYA branch, in NALIYA, 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.