IFSC Code of The Gujarat State Cooperative Bank Limited, Ahmedabd District Co Op Bank Ltd Otariyabhadiyad Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's AHMEDABD DISTRICT CO OP BANK LTD OTARIYABHADIYAD branch in OTARIYA BHADIYAD, GUJARAT. The branch's IFSC code GSCB0ADC178 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, GSCB0ADC178 is the IFSC of The Gujarat State Cooperative Bank Limited's AHMEDABD DISTRICT CO OP BANK LTD OTARIYABHADIYAD branch. The format is fixed: GSCB = bank code, 0 = reserved, ADC178 = branch identifier.

Branch details at a glance

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 Ahmedabd District Co Op Bank Ltd Otariyabhadiyad branch in Otariya Bhadiyad, Gujarat is part of this network and uses the IFSC code GSCB0ADC178 for all electronic settlement.

About the Ahmedabd District Co Op Bank Ltd Otariyabhadiyad branch

The Ahmedabd District Co Op Bank Ltd Otariyabhadiyad branch of The Gujarat State Cooperative Bank Limited is situated at THE OTARIYA SEVA SAHAKARI MANDLI LTD S BUILDING. 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 GSCB0ADC178 is used.

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 AHMEDABD DISTRICT CO OP BANK LTD OTARIYABHADIYAD of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0ADC178 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 GSCB0ADC178 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 GSCB0ADC178

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 GSCB0ADC178 across all three.

How to use IFSC GSCB0ADC178 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Gujarat State Cooperative Bank Limited's AHMEDABD DISTRICT CO OP BANK LTD OTARIYABHADIYAD branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC GSCB0ADC178.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as AHMEDABD DISTRICT CO OP BANK LTD OTARIYABHADIYAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC GSCB0ADC178

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 – AHMEDABD DISTRICT CO OP BANK LTD OTARIYABHADIYAD, ensure your bank's portal accepts IFSC GSCB0ADC178 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited AHMEDABD DISTRICT CO OP BANK LTD OTARIYABHADIYAD (IFSC GSCB0ADC178)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0ADC178 in your mobile or internet banking app, and the money is credited to the AHMEDABD DISTRICT CO OP BANK LTD OTARIYABHADIYAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ahmedabd District Co Op Bank Ltd Otariyabhadiyad

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 GSCB0ADC178:

• 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 AHMEDABD DISTRICT CO OP BANK LTD OTARIYABHADIYAD is still linked to IFSC GSCB0ADC178.

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 AHMEDABD DISTRICT CO OP BANK LTD OTARIYABHADIYAD branch, the IFSC GSCB0ADC178 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.

Account types you can open at the Ahmedabd District Co Op Bank Ltd Otariyabhadiyad branch

Once you have an account at The Gujarat State Cooperative Bank Limited – AHMEDABD DISTRICT CO OP BANK LTD OTARIYABHADIYAD, the IFSC GSCB0ADC178 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 Ahmedabd District Co Op Bank Ltd Otariyabhadiyad 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 GSCB0ADC178

MICR & cheque-truncation details

Cheques drawn on the Ahmedabd District Co Op Bank Ltd Otariyabhadiyad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0ADC178 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC GSCB0ADC178

The Gujarat State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AHMEDABD DISTRICT CO OP BANK LTD OTARIYABHADIYAD 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 GSCB0ADC178 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 – AHMEDABD DISTRICT CO OP BANK LTD OTARIYABHADIYAD:

• The IFSC is exactly GSCB0ADC178 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 AHMEDABD DISTRICT CO OP BANK LTD OTARIYABHADIYAD 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 Ahmedabd District Co Op Bank Ltd Otariyabhadiyad branch sits at THE OTARIYA SEVA SAHAKARI MANDLI LTD S BUILDING. If you are travelling from outside Otariya Bhadiyad, search for the branch on a maps application using the bank name and locality, or call 9409303813 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 GSCB0ADC178 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0ADC178 for The Gujarat State Cooperative Bank Limited – AHMEDABD DISTRICT CO OP BANK LTD OTARIYABHADIYAD, 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 Ahmedabd District Co Op Bank Ltd Otariyabhadiyad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0ADC178, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0ADC178 is the IFSC code of The Gujarat State Cooperative Bank Limited, AHMEDABD DISTRICT CO OP BANK LTD OTARIYABHADIYAD branch, in OTARIYA BHADIYAD, 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.