IFSC Code of The Gujarat State Cooperative Bank Limited, Gondal Nagrik Sahakari Bank Ltd Rajkot Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Gujarat State Cooperative Bank Limited, GONDAL NAGRIK SAHAKARI BANK LTD RAJKOT branch in RAJKOT. The 11-digit IFSC GSCB0UGNS03 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 GONDAL NAGRIK SAHAKARI BANK LTD RAJKOT 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Gujarat State Cooperative Bank Limited – GONDAL NAGRIK SAHAKARI BANK LTD RAJKOT is GSCB0UGNS03. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters UGNS03 map to this branch in RAJKOT, GUJARAT.

About The Gujarat State Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the Gondal Nagrik Sahakari Bank Ltd Rajkot branch in Rajkot. 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, GSCB0UGNS03.

About the Gondal Nagrik Sahakari Bank Ltd Rajkot branch

The Gondal Nagrik Sahakari Bank Ltd Rajkot branch of The Gujarat State Cooperative Bank Limited is situated at MOTI TANKI CHOWK DR RADHA KRISHNA ROAD. 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 GSCB0UGNS03 is used.

Branch details at a glance

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 GONDAL NAGRIK SAHAKARI BANK LTD RAJKOT of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0UGNS03 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 GSCB0UGNS03 the same way you would treat your account number — verify it once and save it carefully for future use.

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 GSCB0UGNS03 and the account number together uniquely identify the Gondal Nagrik Sahakari Bank Ltd Rajkot branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC GSCB0UGNS03

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 GSCB0UGNS03 across all three.

How to use IFSC GSCB0UGNS03 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 GONDAL NAGRIK SAHAKARI BANK LTD RAJKOT 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 GSCB0UGNS03.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as GONDAL NAGRIK SAHAKARI BANK LTD RAJKOT.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to GONDAL NAGRIK SAHAKARI BANK LTD RAJKOT

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's GONDAL NAGRIK SAHAKARI BANK LTD RAJKOT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0UGNS03 while initiating the transfer and the credit will appear within minutes.

IMPS to The Gujarat State Cooperative Bank Limited GONDAL NAGRIK SAHAKARI BANK LTD RAJKOT (IFSC GSCB0UGNS03)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0UGNS03 in your mobile or internet banking app, and the money is credited to the GONDAL NAGRIK SAHAKARI BANK LTD RAJKOT branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Gondal Nagrik Sahakari Bank Ltd Rajkot

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 GSCB0UGNS03:

• 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 GONDAL NAGRIK SAHAKARI BANK LTD RAJKOT is still linked to IFSC GSCB0UGNS03.

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 GONDAL NAGRIK SAHAKARI BANK LTD RAJKOT branch, the IFSC GSCB0UGNS03 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 Gondal Nagrik Sahakari Bank Ltd Rajkot branch is mapped to IFSC GSCB0UGNS03 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 GSCB0UGNS03.

Banking services available

The Gondal Nagrik Sahakari Bank Ltd Rajkot branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 281-2461554.

• 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 GSCB0UGNS03

Online banking and IFSC GSCB0UGNS03

The Gujarat State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GONDAL NAGRIK SAHAKARI BANK LTD RAJKOT 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 GSCB0UGNS03 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.

How to reach the Gondal Nagrik Sahakari Bank Ltd Rajkot branch

The branch is located at MOTI TANKI CHOWK DR RADHA KRISHNA ROAD, which puts it inside Rajkot, the broader Rajkot 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 Gondal Nagrik Sahakari Bank Ltd Rajkot branch” — the verified location pin for IFSC GSCB0UGNS03 should appear at the top of the results.
2. Confirm the branch is open by calling 281-2461554 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 GSCB0UGNS03 and your account number.

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 – GONDAL NAGRIK SAHAKARI BANK LTD RAJKOT:

• The IFSC is exactly GSCB0UGNS03 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 GONDAL NAGRIK SAHAKARI BANK LTD RAJKOT 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.

Working hours

Branch counters at Gondal Nagrik Sahakari Bank Ltd Rajkot 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 GSCB0UGNS03 continue to work without interruption.

Verifying IFSC GSCB0UGNS03 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 GSCB0UGNS03 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 281-2461554.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0UGNS03 belongs to The Gujarat State Cooperative Bank Limited's GONDAL NAGRIK SAHAKARI BANK LTD RAJKOT branch, located at MOTI TANKI CHOWK DR RADHA KRISHNA ROAD in RAJKOT, 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.