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

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's VALSAD DISTRICT CENTRAL CO OP BANK LTD KARADI branch in NAVSARI, GUJARAT. The branch's IFSC code GSCB0VDC026 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, GSCB0VDC026 is the IFSC of The Gujarat State Cooperative Bank Limited's VALSAD DISTRICT CENTRAL CO OP BANK LTD KARADI branch. The format is fixed: GSCB = bank code, 0 = reserved, VDC026 = branch identifier.

About the bank

The Gujarat State Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Valsad District Central Co Op Bank Ltd Karadi branch in Navsari, Gujarat is part of this network and uses the IFSC code GSCB0VDC026 for all electronic settlement.

Branch details at a glance

Valsad District Central Co Op Bank Ltd Karadi branch overview

Located at AT POST KARADI DIST NAVSARI VANIYAWAD TA JALALPORE DIST NAVSARI 396440, the Valsad District Central Co Op Bank Ltd Karadi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0VDC026 is required for all interbank electronic transfers routed through this branch.

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 VALSAD DISTRICT CENTRAL CO OP BANK LTD KARADI branch came to be assigned the code GSCB0VDC026.

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 GSCB0VDC026, money simply cannot be routed to the VALSAD DISTRICT CENTRAL CO OP BANK LTD KARADI branch electronically.

Account types you can open at the Valsad District Central Co Op Bank Ltd Karadi branch

Once you have an account at The Gujarat State Cooperative Bank Limited – VALSAD DISTRICT CENTRAL CO OP BANK LTD KARADI, the IFSC GSCB0VDC026 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 Valsad District Central Co Op Bank Ltd Karadi 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 GSCB0VDC026

How to transfer money using IFSC GSCB0VDC026

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 GSCB0VDC026 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, VALSAD DISTRICT CENTRAL CO OP BANK LTD KARADI using IFSC GSCB0VDC026

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 GSCB0VDC026, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – VALSAD DISTRICT CENTRAL CO OP BANK LTD KARADI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0VDC026

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 – VALSAD DISTRICT CENTRAL CO OP BANK LTD KARADI, ensure your bank's portal accepts IFSC GSCB0VDC026 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited VALSAD DISTRICT CENTRAL CO OP BANK LTD KARADI (IFSC GSCB0VDC026)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0VDC026 in your mobile or internet banking app, and the money is credited to the VALSAD DISTRICT CENTRAL CO OP BANK LTD KARADI branch account within seconds.

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

All three modes accept the IFSC GSCB0VDC026 for The Gujarat State Cooperative Bank Limited – VALSAD DISTRICT CENTRAL CO OP BANK LTD KARADI, 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 Valsad District Central Co Op Bank Ltd Karadi 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 VALSAD DISTRICT CENTRAL CO OP BANK LTD KARADI branch, the IFSC GSCB0VDC026 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.

Digital banking channels

Most day-to-day work that customers used to do at the Valsad District Central Co Op Bank Ltd Karadi 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 GSCB0VDC026 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 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 GSCB0VDC026 and the account number together uniquely identify the Valsad District Central Co Op Bank Ltd Karadi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – VALSAD DISTRICT CENTRAL CO OP BANK LTD KARADI:

• The IFSC is exactly GSCB0VDC026 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 VALSAD DISTRICT CENTRAL CO OP BANK LTD KARADI 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.

How to reach the Valsad District Central Co Op Bank Ltd Karadi branch

The branch is located at AT POST KARADI DIST NAVSARI VANIYAWAD TA JALALPORE DIST NAVSARI 396440, which puts it inside Navsari, the broader Navsari 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 Valsad District Central Co Op Bank Ltd Karadi branch” — the verified location pin for IFSC GSCB0VDC026 should appear at the top of the results.
2. Confirm the branch is open by calling 2637-223208 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 GSCB0VDC026 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0VDC026 for The Gujarat State Cooperative Bank Limited – VALSAD DISTRICT CENTRAL CO OP BANK LTD KARADI, 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.

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 Valsad District Central Co Op Bank Ltd Karadi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0VDC026, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0VDC026 is the IFSC code of The Gujarat State Cooperative Bank Limited, VALSAD DISTRICT CENTRAL CO OP BANK LTD KARADI branch, in NAVSARI, 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.