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

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, GONDAL NAGRIK SAHAKARI BANK LTD SHAPAR VERAVAL branch, located in SHAPAR VERAVAL, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0UGNS05. 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 GSCB0UGNS05 for The Gujarat State Cooperative Bank Limited – GONDAL NAGRIK SAHAKARI BANK LTD SHAPAR VERAVAL — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 SHAPAR VERAVAL is GSCB0UGNS05. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters UGNS05 map to this branch in SHAPAR VERAVAL, GUJARAT.

Branch details at a glance

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Gondal Nagrik Sahakari Bank Ltd Shapar Veraval branch — IFSC GSCB0UGNS05 — extends the bank's services to customers in and around Shapar Veraval, Gujarat.

About the Gondal Nagrik Sahakari Bank Ltd Shapar Veraval branch

The Gondal Nagrik Sahakari Bank Ltd Shapar Veraval branch of The Gujarat State Cooperative Bank Limited is situated at SHAPAR INDUSTRIAL ASSOCATION. 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 GSCB0UGNS05 is used.

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 SHAPAR VERAVAL of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0UGNS05 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 GSCB0UGNS05 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 GSCB0UGNS05

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 GSCB0UGNS05 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, GONDAL NAGRIK SAHAKARI BANK LTD SHAPAR VERAVAL using IFSC GSCB0UGNS05

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 GSCB0UGNS05, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – GONDAL NAGRIK SAHAKARI BANK LTD SHAPAR VERAVAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0UGNS05

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 – GONDAL NAGRIK SAHAKARI BANK LTD SHAPAR VERAVAL, ensure your bank's portal accepts IFSC GSCB0UGNS05 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 – GONDAL NAGRIK SAHAKARI BANK LTD SHAPAR VERAVAL, use IMPS. With IFSC GSCB0UGNS05 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 Gondal Nagrik Sahakari Bank Ltd Shapar Veraval

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 GSCB0UGNS05:

• 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 SHAPAR VERAVAL is still linked to IFSC GSCB0UGNS05.

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 SHAPAR VERAVAL branch, the IFSC GSCB0UGNS05 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 Gondal Nagrik Sahakari Bank Ltd Shapar Veraval branch

Once you have an account at The Gujarat State Cooperative Bank Limited – GONDAL NAGRIK SAHAKARI BANK LTD SHAPAR VERAVAL, the IFSC GSCB0UGNS05 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.

Banking services available

The Gondal Nagrik Sahakari Bank Ltd Shapar Veraval branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2827-223115.

• 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 GSCB0UGNS05

MICR & cheque-truncation details

Cheques drawn on the Gondal Nagrik Sahakari Bank Ltd Shapar Veraval branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0UGNS05 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Gondal Nagrik Sahakari Bank Ltd Shapar Veraval 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 GSCB0UGNS05 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.

Common mistakes to avoid when using IFSC GSCB0UGNS05

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 – GONDAL NAGRIK SAHAKARI BANK LTD SHAPAR VERAVAL, 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: GSCB0UGNS05.
• 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.

How to reach the Gondal Nagrik Sahakari Bank Ltd Shapar Veraval branch

The branch is located at SHAPAR INDUSTRIAL ASSOCATION, which puts it inside Shapar Veraval, 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 Shapar Veraval branch” — the verified location pin for IFSC GSCB0UGNS05 should appear at the top of the results.
2. Confirm the branch is open by calling 2827-223115 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 GSCB0UGNS05 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0UGNS05 for The Gujarat State Cooperative Bank Limited – GONDAL NAGRIK SAHAKARI BANK LTD SHAPAR VERAVAL, 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 Gondal Nagrik Sahakari Bank Ltd Shapar Veraval 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 GSCB0UGNS05 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0UGNS05 is the IFSC code of The Gujarat State Cooperative Bank Limited, GONDAL NAGRIK SAHAKARI BANK LTD SHAPAR VERAVAL branch, in SHAPAR VERAVAL, 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.