IFSC Code of The Gujarat State Cooperative Bank Limited, Shri Rajkot District Co-Op. Bank Ltd. Rayadi Branch, Gujarat

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, SHRI RAJKOT DISTRICT CO-OP. BANK LTD. RAYADI branch, located in RAYDI, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0RJT068. 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 GSCB0RJT068 for The Gujarat State Cooperative Bank Limited – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. RAYADI — 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, GSCB0RJT068 is the IFSC of The Gujarat State Cooperative Bank Limited's SHRI RAJKOT DISTRICT CO-OP. BANK LTD. RAYADI branch. The format is fixed: GSCB = bank code, 0 = reserved, RJT068 = branch identifier.

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Shri Rajkot District Co-Op. Bank Ltd. Rayadi branch — IFSC GSCB0RJT068 — extends the bank's services to customers in and around Raydi, Gujarat.

Branch details at a glance

Shri Rajkot District Co-Op. Bank Ltd. Rayadi branch overview

Located at NEAR BUS STATION, RAYADI, the Shri Rajkot District Co-Op. Bank Ltd. Rayadi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0RJT068 is required for all interbank electronic transfers routed through this branch.

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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. RAYADI branch came to be assigned the code GSCB0RJT068.

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 GSCB0RJT068, money simply cannot be routed to the SHRI RAJKOT DISTRICT CO-OP. BANK LTD. RAYADI branch electronically.

Account types you can open at the Shri Rajkot District Co-Op. Bank Ltd. Rayadi branch

Once you have an account at The Gujarat State Cooperative Bank Limited – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. RAYADI, the IFSC GSCB0RJT068 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 Shri Rajkot District Co-Op. Bank Ltd. Rayadi 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 GSCB0RJT068

How to transfer money using IFSC GSCB0RJT068

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 GSCB0RJT068 across all three.

How to use IFSC GSCB0RJT068 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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. RAYADI 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 GSCB0RJT068.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as SHRI RAJKOT DISTRICT CO-OP. BANK LTD. RAYADI.
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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. RAYADI

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's SHRI RAJKOT DISTRICT CO-OP. BANK LTD. RAYADI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0RJT068 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Gujarat State Cooperative Bank Limited – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. RAYADI, use IMPS. With IFSC GSCB0RJT068 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Shri Rajkot District Co-Op. Bank Ltd. Rayadi

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 GSCB0RJT068:

• 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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. RAYADI is still linked to IFSC GSCB0RJT068.

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 SHRI RAJKOT DISTRICT CO-OP. BANK LTD. RAYADI branch, the IFSC GSCB0RJT068 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.

Digital banking channels

Most day-to-day work that customers used to do at the Shri Rajkot District Co-Op. Bank Ltd. Rayadi 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 GSCB0RJT068 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.

MICR & cheque-truncation details

Cheques drawn on the Shri Rajkot District Co-Op. Bank Ltd. Rayadi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0RJT068 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC GSCB0RJT068

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 – SHRI RAJKOT DISTRICT CO-OP. BANK LTD. RAYADI, 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: GSCB0RJT068.
• 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.

Reaching the branch

The Shri Rajkot District Co-Op. Bank Ltd. Rayadi branch sits at NEAR BUS STATION, RAYADI. If you are travelling from outside Raydi, search for the branch on a maps application using the bank name and locality, or call 2824-279906 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 GSCB0RJT068 and your account number.

Verifying IFSC GSCB0RJT068 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 GSCB0RJT068 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2824-279906.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Shri Rajkot District Co-Op. Bank Ltd. Rayadi 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 GSCB0RJT068 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0RJT068 belongs to The Gujarat State Cooperative Bank Limited's SHRI RAJKOT DISTRICT CO-OP. BANK LTD. RAYADI branch, located at NEAR BUS STATION, RAYADI in RAYDI, 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.