IFSC Code of The Gujarat State Cooperative Bank Limited, The Sardar Gunj Merc Coop Bank Ltd Branch, Gujarat

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, THE SARDAR GUNJ MERC COOP BANK LTD branch, located in PATAN, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0USMCBL. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case GSCB0USMCBL for The Gujarat State Cooperative Bank Limited – THE SARDAR GUNJ MERC COOP BANK LTD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 SARDAR GUNJ MERC COOP BANK LTD branch, the IFSC GSCB0USMCBL breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and USMCBL identifies this particular branch.

About The Gujarat State Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the The Sardar Gunj Merc Coop Bank Ltd branch in Patan. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, GSCB0USMCBL.

About the The Sardar Gunj Merc Coop Bank Ltd branch

The The Sardar Gunj Merc Coop Bank Ltd branch of The Gujarat State Cooperative Bank Limited is situated at THE SARDAR GUNJ MERCANTILE CO.OP.BANK LTD. H.O. SARDARGUNJ, PATAN 384 265 , NORTH GUJARAT. 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 GSCB0USMCBL 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 THE SARDAR GUNJ MERC COOP BANK LTD branch came to be assigned the code GSCB0USMCBL.

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 GSCB0USMCBL, money simply cannot be routed to the THE SARDAR GUNJ MERC COOP BANK LTD branch electronically.

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 GSCB0USMCBL and the account number together uniquely identify the The Sardar Gunj Merc Coop Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC GSCB0USMCBL

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 GSCB0USMCBL across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE SARDAR GUNJ MERC COOP BANK LTD using IFSC GSCB0USMCBL

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 GSCB0USMCBL, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE SARDAR GUNJ MERC COOP BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE SARDAR GUNJ MERC COOP BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE SARDAR GUNJ MERC COOP BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0USMCBL while initiating the transfer and the credit will appear within minutes.

IMPS to The Gujarat State Cooperative Bank Limited THE SARDAR GUNJ MERC COOP BANK LTD (IFSC GSCB0USMCBL)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0USMCBL in your mobile or internet banking app, and the money is credited to the THE SARDAR GUNJ MERC COOP BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Sardar Gunj Merc Coop Bank Ltd

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 GSCB0USMCBL:

• 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 SARDAR GUNJ MERC COOP BANK LTD is still linked to IFSC GSCB0USMCBL.

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 GSCB0USMCBL

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 SARDAR GUNJ MERC COOP BANK LTD is still mapped to IFSC GSCB0USMCBL. 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 GSCB0USMCBL and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the The Sardar Gunj Merc Coop Bank Ltd branch is mapped to IFSC GSCB0USMCBL 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 GSCB0USMCBL.

Products and services

Customers walking into the The Sardar Gunj Merc Coop Bank Ltd 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 GSCB0USMCBL

Online banking and IFSC GSCB0USMCBL

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 SARDAR GUNJ MERC COOP BANK LTD 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 GSCB0USMCBL 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.

Reaching the branch

The The Sardar Gunj Merc Coop Bank Ltd branch sits at THE SARDAR GUNJ MERCANTILE CO.OP.BANK LTD. H.O. SARDARGUNJ, PATAN 384 265 , NORTH GUJARAT. If you are travelling from outside Patan, search for the branch on a maps application using the bank name and locality, or call 2766-220265 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 GSCB0USMCBL and your account number.

Common mistakes to avoid when using IFSC GSCB0USMCBL

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 – THE SARDAR GUNJ MERC COOP BANK LTD, 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: GSCB0USMCBL.
• 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.

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 Sardar Gunj Merc Coop Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0USMCBL, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0USMCBL for The Gujarat State Cooperative Bank Limited – THE SARDAR GUNJ MERC COOP BANK LTD, 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: GSCB0USMCBL is the IFSC code of The Gujarat State Cooperative Bank Limited, THE SARDAR GUNJ MERC COOP BANK LTD branch, in PATAN, 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.