IFSC Code of The Gujarat State Cooperative Bank Limited, Valsad District Central Co Op Bank Ltd Kharaabrama 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 KHARAABRAMA branch in NAVSARI, GUJARAT. The branch's IFSC code GSCB0VDC028 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.

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 VALSAD DISTRICT CENTRAL CO OP BANK LTD KHARAABRAMA branch, the IFSC GSCB0VDC028 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and VDC028 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 Valsad District Central Co Op Bank Ltd Kharaabrama branch — IFSC GSCB0VDC028 — extends the bank's services to customers in and around Navsari, Gujarat.

About the Valsad District Central Co Op Bank Ltd Kharaabrama branch

The Valsad District Central Co Op Bank Ltd Kharaabrama branch of The Gujarat State Cooperative Bank Limited is situated at AT POST KHARA ABRAMA KANBIWAD TA JALALPORE DIST NAVSARI 396406. 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 GSCB0VDC028 is used.

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 VALSAD DISTRICT CENTRAL CO OP BANK LTD KHARAABRAMA branch came to be assigned the code GSCB0VDC028.

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 GSCB0VDC028, money simply cannot be routed to the VALSAD DISTRICT CENTRAL CO OP BANK LTD KHARAABRAMA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Valsad District Central Co Op Bank Ltd Kharaabrama branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0VDC028 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 GSCB0VDC028

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 GSCB0VDC028 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, VALSAD DISTRICT CENTRAL CO OP BANK LTD KHARAABRAMA using IFSC GSCB0VDC028

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 GSCB0VDC028, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – VALSAD DISTRICT CENTRAL CO OP BANK LTD KHARAABRAMA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0VDC028

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 KHARAABRAMA, ensure your bank's portal accepts IFSC GSCB0VDC028 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Gujarat State Cooperative Bank Limited – VALSAD DISTRICT CENTRAL CO OP BANK LTD KHARAABRAMA, use IMPS. With IFSC GSCB0VDC028 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 GSCB0VDC028 for The Gujarat State Cooperative Bank Limited – VALSAD DISTRICT CENTRAL CO OP BANK LTD KHARAABRAMA, 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 Kharaabrama 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 KHARAABRAMA branch, the IFSC GSCB0VDC028 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 Valsad District Central Co Op Bank Ltd Kharaabrama branch is mapped to IFSC GSCB0VDC028 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 GSCB0VDC028.

Products and services

Customers walking into the Valsad District Central Co Op Bank Ltd Kharaabrama 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 GSCB0VDC028

Digital banking channels

Most day-to-day work that customers used to do at the Valsad District Central Co Op Bank Ltd Kharaabrama 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 GSCB0VDC028 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.

Reaching the branch

The Valsad District Central Co Op Bank Ltd Kharaabrama branch sits at AT POST KHARA ABRAMA KANBIWAD TA JALALPORE DIST NAVSARI 396406. If you are travelling from outside Navsari, search for the branch on a maps application using the bank name and locality, or call 2637-229494 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 GSCB0VDC028 and your account number.

Common mistakes to avoid when using IFSC GSCB0VDC028

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to The Gujarat State Cooperative Bank Limited – VALSAD DISTRICT CENTRAL CO OP BANK LTD KHARAABRAMA, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: GSCB0VDC028.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Working hours

Branch counters at Valsad District Central Co Op Bank Ltd Kharaabrama 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 GSCB0VDC028 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0VDC028 for The Gujarat State Cooperative Bank Limited – VALSAD DISTRICT CENTRAL CO OP BANK LTD KHARAABRAMA, 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 address & contact

Frequently asked questions

Final notes

To recap: GSCB0VDC028 is the IFSC code of The Gujarat State Cooperative Bank Limited, VALSAD DISTRICT CENTRAL CO OP BANK LTD KHARAABRAMA 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.