IFSC Code of The Gujarat State Cooperative Bank Limited, The Kachchh District Central Co Op Bank Ltd Ratnal Branch, Gujarat

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD RATNAL branch, located in RATNAL, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0KTC018. 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 GSCB0KTC018 for The Gujarat State Cooperative Bank Limited – THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD RATNAL — 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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD RATNAL branch, the IFSC GSCB0KTC018 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and KTC018 identifies this particular branch.

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The The Kachchh District Central Co Op Bank Ltd Ratnal branch — IFSC GSCB0KTC018 — extends the bank's services to customers in and around Ratnal, Gujarat.

The Kachchh District Central Co Op Bank Ltd Ratnal branch overview

Located at AT POST RATNAL TALUKA ANJAR KACHCHH PIN 370105, the The Kachchh District Central Co Op Bank Ltd Ratnal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0KTC018 is required for all interbank electronic transfers routed through this branch.

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 THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD RATNAL of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0KTC018 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 GSCB0KTC018 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 GSCB0KTC018 and the account number together uniquely identify the The Kachchh District Central Co Op Bank Ltd Ratnal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC GSCB0KTC018

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 GSCB0KTC018 across all three.

How to use IFSC GSCB0KTC018 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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD RATNAL 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 GSCB0KTC018.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD RATNAL.
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 GSCB0KTC018

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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD RATNAL, ensure your bank's portal accepts IFSC GSCB0KTC018 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD RATNAL (IFSC GSCB0KTC018)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0KTC018 in your mobile or internet banking app, and the money is credited to the THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD RATNAL branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC GSCB0KTC018 for The Gujarat State Cooperative Bank Limited – THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD RATNAL, 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 Kachchh District Central Co Op Bank Ltd Ratnal 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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD RATNAL branch, the IFSC GSCB0KTC018 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 The Kachchh District Central Co Op Bank Ltd Ratnal branch is mapped to IFSC GSCB0KTC018 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 GSCB0KTC018.

Products and services

Customers walking into the The Kachchh District Central Co Op Bank Ltd Ratnal 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 GSCB0KTC018

Online banking and IFSC GSCB0KTC018

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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD RATNAL 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 GSCB0KTC018 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 The Kachchh District Central Co Op Bank Ltd Ratnal branch

The branch is located at AT POST RATNAL TALUKA ANJAR KACHCHH PIN 370105, which puts it inside Ratnal, the broader Kachchh 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 Kachchh District Central Co Op Bank Ltd Ratnal branch” — the verified location pin for IFSC GSCB0KTC018 should appear at the top of the results.
2. Confirm the branch is open by calling 2836-276276 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 GSCB0KTC018 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 – THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD RATNAL:

• The IFSC is exactly GSCB0KTC018 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 KACHCHH DISTRICT CENTRAL CO OP BANK LTD RATNAL 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.

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 Kachchh District Central Co Op Bank Ltd Ratnal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0KTC018, however, work 24x7.

Verifying IFSC GSCB0KTC018 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 GSCB0KTC018 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2836-276276.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0KTC018 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE KACHCHH DISTRICT CENTRAL CO OP BANK LTD RATNAL branch, in RATNAL, 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.