IFSC Code of The Gujarat State Cooperative Bank Limited, Sihor Mercantile Co Op. Bank Ltd. Sihor HO Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's SIHOR MERCANTILE CO OP. BANK LTD. SIHOR HO branch in SIHOR, GUJARAT. The branch's IFSC code GSCB0USMC01 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – SIHOR MERCANTILE CO OP. BANK LTD. SIHOR HO is GSCB0USMC01. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters USMC01 map to this branch in SIHOR, GUJARAT.

About The Gujarat State Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the Sihor Mercantile Co Op. Bank Ltd. Sihor HO branch in Sihor. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, GSCB0USMC01.

Branch details at a glance

Sihor Mercantile Co Op. Bank Ltd. Sihor HO branch overview

Located at DANAPITH, SIHOR, the Sihor Mercantile Co Op. Bank Ltd. Sihor HO branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0USMC01 is required for all interbank electronic transfers routed through this branch.

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 SIHOR MERCANTILE CO OP. BANK LTD. SIHOR HO of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0USMC01 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 GSCB0USMC01 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Sihor Mercantile Co Op. Bank Ltd. Sihor HO branch

Once you have an account at The Gujarat State Cooperative Bank Limited – SIHOR MERCANTILE CO OP. BANK LTD. SIHOR HO, the IFSC GSCB0USMC01 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 Sihor Mercantile Co Op. Bank Ltd. Sihor HO 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 GSCB0USMC01

How to transfer money using IFSC GSCB0USMC01

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 GSCB0USMC01 across all three.

How to use IFSC GSCB0USMC01 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 SIHOR MERCANTILE CO OP. BANK LTD. SIHOR HO 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 GSCB0USMC01.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as SIHOR MERCANTILE CO OP. BANK LTD. SIHOR HO.
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 SIHOR MERCANTILE CO OP. BANK LTD. SIHOR HO

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's SIHOR MERCANTILE CO OP. BANK LTD. SIHOR HO branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0USMC01 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 – SIHOR MERCANTILE CO OP. BANK LTD. SIHOR HO, use IMPS. With IFSC GSCB0USMC01 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 Sihor Mercantile Co Op. Bank Ltd. Sihor HO

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 GSCB0USMC01:

• 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 SIHOR MERCANTILE CO OP. BANK LTD. SIHOR HO is still linked to IFSC GSCB0USMC01.

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 SIHOR MERCANTILE CO OP. BANK LTD. SIHOR HO branch, the IFSC GSCB0USMC01 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 Sihor Mercantile Co Op. Bank Ltd. Sihor HO 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 GSCB0USMC01 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 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 GSCB0USMC01 and the account number together uniquely identify the Sihor Mercantile Co Op. Bank Ltd. Sihor HO branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC GSCB0USMC01

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 – SIHOR MERCANTILE CO OP. BANK LTD. SIHOR HO, 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: GSCB0USMC01.
• 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 Sihor Mercantile Co Op. Bank Ltd. Sihor HO branch sits at DANAPITH, SIHOR. If you are travelling from outside Sihor, search for the branch on a maps application using the bank name and locality, or call 2846-222195 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 GSCB0USMC01 and your account number.

Verifying IFSC GSCB0USMC01 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 GSCB0USMC01 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2846-222195.
• Visiting the bank's official branch locator page.

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 Sihor Mercantile Co Op. Bank Ltd. Sihor HO branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0USMC01, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0USMC01 belongs to The Gujarat State Cooperative Bank Limited's SIHOR MERCANTILE CO OP. BANK LTD. SIHOR HO branch, located at DANAPITH, SIHOR in SIHOR, 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.