IFSC Code of The Gujarat State Cooperative Bank Limited, The Banaskantha Dist Cent Co Op Bank Ltd Ratanpur Branch, Gujarat

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, THE BANASKANTHA DIST CENT CO OP BANK LTD RATANPUR branch, located in RATANPUR, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0BKD047. 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 GSCB0BKD047 for The Gujarat State Cooperative Bank Limited – THE BANASKANTHA DIST CENT CO OP BANK LTD RATANPUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, GSCB0BKD047 is the IFSC of The Gujarat State Cooperative Bank Limited's THE BANASKANTHA DIST CENT CO OP BANK LTD RATANPUR branch. The format is fixed: GSCB = bank code, 0 = reserved, BKD047 = 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 The Banaskantha Dist Cent Co Op Bank Ltd Ratanpur branch in Ratanpur, Gujarat is part of this network and uses the IFSC code GSCB0BKD047 for all electronic settlement.

About this branch

The branch is located at AT POST RATANPUR. It serves the Ratanpur 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 GSCB0BKD047 is used to identify this branch on the RBI payments network.

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 THE BANASKANTHA DIST CENT CO OP BANK LTD RATANPUR of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0BKD047 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 GSCB0BKD047 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 GSCB0BKD047

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 GSCB0BKD047 across all three.

How to use IFSC GSCB0BKD047 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 THE BANASKANTHA DIST CENT CO OP BANK LTD RATANPUR 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 GSCB0BKD047.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE BANASKANTHA DIST CENT CO OP BANK LTD RATANPUR.
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 GSCB0BKD047

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 BANASKANTHA DIST CENT CO OP BANK LTD RATANPUR, ensure your bank's portal accepts IFSC GSCB0BKD047 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 – THE BANASKANTHA DIST CENT CO OP BANK LTD RATANPUR, use IMPS. With IFSC GSCB0BKD047 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 GSCB0BKD047 for The Gujarat State Cooperative Bank Limited – THE BANASKANTHA DIST CENT CO OP BANK LTD RATANPUR, 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.

For most retail customers crediting the The Banaskantha Dist Cent Co Op Bank Ltd Ratanpur 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.

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 THE BANASKANTHA DIST CENT CO OP BANK LTD RATANPUR branch, the IFSC GSCB0BKD047 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 The Banaskantha Dist Cent Co Op Bank Ltd Ratanpur branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE BANASKANTHA DIST CENT CO OP BANK LTD RATANPUR, the IFSC GSCB0BKD047 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 The Banaskantha Dist Cent Co Op Bank Ltd Ratanpur 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 GSCB0BKD047

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 GSCB0BKD047 and the account number together uniquely identify the The Banaskantha Dist Cent Co Op Bank Ltd Ratanpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the The Banaskantha Dist Cent Co Op Bank Ltd Ratanpur branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC GSCB0BKD047 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

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 BANASKANTHA DIST CENT CO OP BANK LTD RATANPUR:

• The IFSC is exactly GSCB0BKD047 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 BANASKANTHA DIST CENT CO OP BANK LTD RATANPUR 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 The Banaskantha Dist Cent Co Op Bank Ltd Ratanpur branch sits at AT POST RATANPUR. If you are travelling from outside Ratanpur, search for the branch on a maps application using the bank name and locality, or call 2742-295390 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 GSCB0BKD047 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0BKD047 for The Gujarat State Cooperative Bank Limited – THE BANASKANTHA DIST CENT CO OP BANK LTD RATANPUR, 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.

Working hours

Branch counters at The Banaskantha Dist Cent Co Op Bank Ltd Ratanpur 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 GSCB0BKD047 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0BKD047 belongs to The Gujarat State Cooperative Bank Limited's THE BANASKANTHA DIST CENT CO OP BANK LTD RATANPUR branch, located at AT POST RATANPUR in RATANPUR, 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.