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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Gujarat State Cooperative Bank Limited, THE BANASKANTHA DIST CENT CO OP BANK LTD SHIHORI branch in SHIHORI. The 11-digit IFSC GSCB0BKD004 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 THE BANASKANTHA DIST CENT CO OP BANK LTD SHIHORI 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.

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, GSCB0BKD004 is the IFSC of The Gujarat State Cooperative Bank Limited's THE BANASKANTHA DIST CENT CO OP BANK LTD SHIHORI branch. The format is fixed: GSCB = bank code, 0 = reserved, BKD004 = branch identifier.

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 Shihori branch in Shihori, Gujarat is part of this network and uses the IFSC code GSCB0BKD004 for all electronic settlement.

The Banaskantha Dist Cent Co Op Bank Ltd Shihori branch overview

Located at GARABI CHOWK AT POST SHIHORI, the The Banaskantha Dist Cent Co Op Bank Ltd Shihori branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0BKD004 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 THE BANASKANTHA DIST CENT CO OP BANK LTD SHIHORI branch came to be assigned the code GSCB0BKD004.

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 GSCB0BKD004, money simply cannot be routed to the THE BANASKANTHA DIST CENT CO OP BANK LTD SHIHORI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the The Banaskantha Dist Cent Co Op Bank Ltd Shihori branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0BKD004 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC GSCB0BKD004

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 GSCB0BKD004 across all three.

How to use IFSC GSCB0BKD004 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 SHIHORI 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 GSCB0BKD004.
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 SHIHORI.
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 GSCB0BKD004

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 SHIHORI, ensure your bank's portal accepts IFSC GSCB0BKD004 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 SHIHORI, use IMPS. With IFSC GSCB0BKD004 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 GSCB0BKD004 for The Gujarat State Cooperative Bank Limited – THE BANASKANTHA DIST CENT CO OP BANK LTD SHIHORI, 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 Shihori 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.

UPI payments and IFSC GSCB0BKD004

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at The Gujarat State Cooperative Bank Limited – THE BANASKANTHA DIST CENT CO OP BANK LTD SHIHORI is still mapped to IFSC GSCB0BKD004. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC GSCB0BKD004 and the beneficiary's account number to complete the transfer.

Account types you can open at the The Banaskantha Dist Cent Co Op Bank Ltd Shihori branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE BANASKANTHA DIST CENT CO OP BANK LTD SHIHORI, the IFSC GSCB0BKD004 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 Shihori 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 GSCB0BKD004

Digital banking channels

Most day-to-day work that customers used to do at the The Banaskantha Dist Cent Co Op Bank Ltd Shihori 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 GSCB0BKD004 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.

How to reach the The Banaskantha Dist Cent Co Op Bank Ltd Shihori branch

The branch is located at GARABI CHOWK AT POST SHIHORI, which puts it inside Shihori, the broader Banaskantha 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 Banaskantha Dist Cent Co Op Bank Ltd Shihori branch” — the verified location pin for IFSC GSCB0BKD004 should appear at the top of the results.
2. Confirm the branch is open by calling 2747-233752 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 GSCB0BKD004 and your account number.

Common mistakes to avoid when using IFSC GSCB0BKD004

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 – THE BANASKANTHA DIST CENT CO OP BANK LTD SHIHORI, 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: GSCB0BKD004.
• 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.

Working hours

Branch counters at The Banaskantha Dist Cent Co Op Bank Ltd Shihori 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 GSCB0BKD004 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0BKD004 for The Gujarat State Cooperative Bank Limited – THE BANASKANTHA DIST CENT CO OP BANK LTD SHIHORI, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0BKD004 belongs to The Gujarat State Cooperative Bank Limited's THE BANASKANTHA DIST CENT CO OP BANK LTD SHIHORI branch, located at GARABI CHOWK AT POST SHIHORI in SHIHORI, 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.