If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, VALSAD DISTRICT CENTRAL CO OP BANK LTD KHAREL branch in NAVSARI, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0VDC035. 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 VALSAD DISTRICT CENTRAL CO OP BANK LTD KHAREL branch, and detailed step-by-step guides for using the IFSC GSCB0VDC035 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, GSCB0VDC035 is the IFSC of The Gujarat State Cooperative Bank Limited's VALSAD DISTRICT CENTRAL CO OP BANK LTD KHAREL branch. The format is fixed: GSCB = bank code, 0 = reserved, VDC035 = branch identifier.
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 Kharel branch — IFSC GSCB0VDC035 — extends the bank's services to customers in and around Navsari, Gujarat.
Branch details at a glance
| Bank Name | The Gujarat State Cooperative Bank Limited |
|---|---|
| Branch | Valsad District Central Co Op Bank Ltd Kharel |
| IFSC Code | GSCB0VDC035 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT POST KHAREL COMPOUND OF KHAREL V V K SAHAKARI MANDLI DIST NAVSARI 396430 |
| City | Navsari |
| District | Navsari |
| State | Gujarat |
| STD Code | 2634 |
| Phone | 246542 |
Valsad District Central Co Op Bank Ltd Kharel branch overview
Located at AT POST KHAREL COMPOUND OF KHAREL V V K SAHAKARI MANDLI DIST NAVSARI 396430, the Valsad District Central Co Op Bank Ltd Kharel branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0VDC035 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 VALSAD DISTRICT CENTRAL CO OP BANK LTD KHAREL of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0VDC035 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 GSCB0VDC035 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Valsad District Central Co Op Bank Ltd Kharel branch
Once you have an account at The Gujarat State Cooperative Bank Limited – VALSAD DISTRICT CENTRAL CO OP BANK LTD KHAREL, the IFSC GSCB0VDC035 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 Kharel 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 GSCB0VDC035
How to transfer money using IFSC GSCB0VDC035
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 GSCB0VDC035 across all three.
NEFT to The Gujarat State Cooperative Bank Limited, VALSAD DISTRICT CENTRAL CO OP BANK LTD KHAREL using IFSC GSCB0VDC035
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 GSCB0VDC035, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – VALSAD DISTRICT CENTRAL CO OP BANK LTD KHAREL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC GSCB0VDC035
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 KHAREL, ensure your bank's portal accepts IFSC GSCB0VDC035 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 KHAREL, use IMPS. With IFSC GSCB0VDC035 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 GSCB0VDC035 for The Gujarat State Cooperative Bank Limited – VALSAD DISTRICT CENTRAL CO OP BANK LTD KHAREL, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – GSCB0VDC035 | Yes – GSCB0VDC035 | Yes – GSCB0VDC035 |
For most retail customers crediting the Valsad District Central Co Op Bank Ltd Kharel 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 GSCB0VDC035
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 – VALSAD DISTRICT CENTRAL CO OP BANK LTD KHAREL is still mapped to IFSC GSCB0VDC035. 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 GSCB0VDC035 and the beneficiary's account number to complete the transfer.
Online banking and IFSC GSCB0VDC035
The Gujarat State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VALSAD DISTRICT CENTRAL CO OP BANK LTD KHAREL 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 GSCB0VDC035 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.
MICR & cheque-truncation details
Cheques drawn on the Valsad District Central Co Op Bank Ltd Kharel branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0VDC035 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC GSCB0VDC035
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 KHAREL, 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:
GSCB0VDC035. - 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.
Reaching the branch
The Valsad District Central Co Op Bank Ltd Kharel branch sits at AT POST KHAREL COMPOUND OF KHAREL V V K SAHAKARI MANDLI DIST NAVSARI 396430. If you are travelling from outside Navsari, search for the branch on a maps application using the bank name and locality, or call 2634-246542 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 GSCB0VDC035 and your account number.
Verifying IFSC GSCB0VDC035 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 GSCB0VDC035 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2634-246542.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Valsad District Central Co Op Bank Ltd Kharel 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 GSCB0VDC035 continue to work without interruption.
Branch address & contact
The Gujarat State Cooperative Bank LimitedValsad District Central Co Op Bank Ltd Kharel Branch
AT POST KHAREL COMPOUND OF KHAREL V V K SAHAKARI MANDLI DIST NAVSARI 396430
Navsari, Gujarat
Phone: 2634-246542
IFSC: GSCB0VDC035
Frequently asked questions
Is IFSC GSCB0VDC035 valid for NEFT and RTGS?
Yes. IFSC GSCB0VDC035 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is The Gujarat State Cooperative Bank Limited Valsad District Central Co Op Bank Ltd Kharel branch located?
The Gujarat State Cooperative Bank Limited's Valsad District Central Co Op Bank Ltd Kharel branch is located at AT POST KHAREL COMPOUND OF KHAREL V V K SAHAKARI MANDLI DIST NAVSARI 396430, Navsari, Gujarat.
How quickly will an NEFT transfer using GSCB0VDC035 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Gujarat State Cooperative Bank Limited – Valsad District Central Co Op Bank Ltd Kharel reflect within 30 minutes.
Can I use IFSC GSCB0VDC035 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC GSCB0VDC035 to send funds instantly.
Is IFSC GSCB0VDC035 the same for all accounts at Valsad District Central Co Op Bank Ltd Kharel branch?
Yes. The IFSC GSCB0VDC035 is shared by every account held at The Gujarat State Cooperative Bank Limited's Valsad District Central Co Op Bank Ltd Kharel branch. Only the account number changes from customer to customer.
How do I add The Gujarat State Cooperative Bank Limited Valsad District Central Co Op Bank Ltd Kharel as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC GSCB0VDC035, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Valsad District Central Co Op Bank Ltd Kharel branch but serve different purposes.
Summary
The IFSC code GSCB0VDC035 belongs to The Gujarat State Cooperative Bank Limited's VALSAD DISTRICT CENTRAL CO OP BANK LTD KHAREL branch, located at AT POST KHAREL COMPOUND OF KHAREL V V K SAHAKARI MANDLI DIST NAVSARI 396430 in NAVSARI, 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.
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