IFSC Code of The Gujarat State Cooperative Bank Limited, The Junagadh Jilla Sahakari Bank Ltd Pajod Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Gujarat State Cooperative Bank Limited, THE JUNAGADH JILLA SAHAKARI BANK LTD PAJOD branch in PAJOD. The 11-digit IFSC GSCB0JND027 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Gujarat State Cooperative Bank Limited at the THE JUNAGADH JILLA SAHAKARI BANK LTD PAJOD location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 THE JUNAGADH JILLA SAHAKARI BANK LTD PAJOD branch, the IFSC GSCB0JND027 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and JND027 identifies this particular branch.

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 The Junagadh Jilla Sahakari Bank Ltd Pajod branch in Pajod, Gujarat is part of this network and uses the IFSC code GSCB0JND027 for all electronic settlement.

About this branch

The branch is located at MAIN ROAD, PAJOD. 362624. It serves the Pajod region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Gujarat State Cooperative Bank Limited. The IFSC GSCB0JND027 is used to identify this branch on the RBI payments network.

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 THE JUNAGADH JILLA SAHAKARI BANK LTD PAJOD branch came to be assigned the code GSCB0JND027.

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 GSCB0JND027, money simply cannot be routed to the THE JUNAGADH JILLA SAHAKARI BANK LTD PAJOD branch electronically.

How to transfer money using IFSC GSCB0JND027

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 GSCB0JND027 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE JUNAGADH JILLA SAHAKARI BANK LTD PAJOD using IFSC GSCB0JND027

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 GSCB0JND027, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE JUNAGADH JILLA SAHAKARI BANK LTD PAJOD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0JND027

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 – THE JUNAGADH JILLA SAHAKARI BANK LTD PAJOD, ensure your bank's portal accepts IFSC GSCB0JND027 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited THE JUNAGADH JILLA SAHAKARI BANK LTD PAJOD (IFSC GSCB0JND027)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0JND027 in your mobile or internet banking app, and the money is credited to the THE JUNAGADH JILLA SAHAKARI BANK LTD PAJOD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Junagadh Jilla Sahakari Bank Ltd Pajod

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 GSCB0JND027:

• 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 THE JUNAGADH JILLA SAHAKARI BANK LTD PAJOD is still linked to IFSC GSCB0JND027.

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.

UPI payments and IFSC GSCB0JND027

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 JUNAGADH JILLA SAHAKARI BANK LTD PAJOD is still mapped to IFSC GSCB0JND027. 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 GSCB0JND027 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the The Junagadh Jilla Sahakari Bank Ltd Pajod branch is mapped to IFSC GSCB0JND027 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 GSCB0JND027.

Banking services available

The The Junagadh Jilla Sahakari Bank Ltd Pajod branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2874-244513.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC GSCB0JND027

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 GSCB0JND027 and the account number together uniquely identify the The Junagadh Jilla Sahakari Bank Ltd Pajod branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC GSCB0JND027

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 JUNAGADH JILLA SAHAKARI BANK LTD PAJOD 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 GSCB0JND027 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 JUNAGADH JILLA SAHAKARI BANK LTD PAJOD:

• The IFSC is exactly GSCB0JND027 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 JUNAGADH JILLA SAHAKARI BANK LTD PAJOD 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 The Junagadh Jilla Sahakari Bank Ltd Pajod branch

The branch is located at MAIN ROAD, PAJOD. 362624, which puts it inside Pajod, the broader Junagadh 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 The Junagadh Jilla Sahakari Bank Ltd Pajod branch” — the verified location pin for IFSC GSCB0JND027 should appear at the top of the results.
2. Confirm the branch is open by calling 2874-244513 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 GSCB0JND027 and your account number.

Verifying IFSC GSCB0JND027 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 GSCB0JND027 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2874-244513.
• Visiting the bank's official branch locator page.

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 The Junagadh Jilla Sahakari Bank Ltd Pajod branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0JND027, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0JND027 belongs to The Gujarat State Cooperative Bank Limited's THE JUNAGADH JILLA SAHAKARI BANK LTD PAJOD branch, located at MAIN ROAD, PAJOD. 362624 in PAJOD, 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.