IFSC Code of The Gujarat State Cooperative Bank Limited, Associate Co Op Bank Ltd Adajan Branch, Gujarat

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, ASSOCIATE CO OP BANK LTD ADAJAN branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0ASCB08. 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 GSCB0ASCB08 for The Gujarat State Cooperative Bank Limited – ASSOCIATE CO OP BANK LTD ADAJAN — 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 ASSOCIATE CO OP BANK LTD ADAJAN branch, the IFSC GSCB0ASCB08 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and ASCB08 identifies this particular branch.

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 Associate Co Op Bank Ltd Adajan branch in Surat, Gujarat is part of this network and uses the IFSC code GSCB0ASCB08 for all electronic settlement.

About the Associate Co Op Bank Ltd Adajan branch

The Associate Co Op Bank Ltd Adajan branch of The Gujarat State Cooperative Bank Limited is situated at 1-2, PANCHVATI SOCIETY, NEAR RAMNAGAR, PALANPUR PATIYA, SURAT. 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 GSCB0ASCB08 is used.

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 ASSOCIATE CO OP BANK LTD ADAJAN branch came to be assigned the code GSCB0ASCB08.

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 GSCB0ASCB08, money simply cannot be routed to the ASSOCIATE CO OP BANK LTD ADAJAN branch electronically.

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 GSCB0ASCB08 and the account number together uniquely identify the Associate Co Op Bank Ltd Adajan branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC GSCB0ASCB08

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 GSCB0ASCB08 across all three.

How to use IFSC GSCB0ASCB08 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 ASSOCIATE CO OP BANK LTD ADAJAN 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 GSCB0ASCB08.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as ASSOCIATE CO OP BANK LTD ADAJAN.
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 ASSOCIATE CO OP BANK LTD ADAJAN

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's ASSOCIATE CO OP BANK LTD ADAJAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0ASCB08 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 – ASSOCIATE CO OP BANK LTD ADAJAN, use IMPS. With IFSC GSCB0ASCB08 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 Associate Co Op Bank Ltd Adajan

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 GSCB0ASCB08:

• 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 ASSOCIATE CO OP BANK LTD ADAJAN is still linked to IFSC GSCB0ASCB08.

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 ASSOCIATE CO OP BANK LTD ADAJAN branch, the IFSC GSCB0ASCB08 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 Associate Co Op Bank Ltd Adajan branch is mapped to IFSC GSCB0ASCB08 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 GSCB0ASCB08.

Banking services available

The Associate Co Op Bank Ltd Adajan branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2762449.

• 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 GSCB0ASCB08

Online banking and IFSC GSCB0ASCB08

The Gujarat State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ASSOCIATE CO OP BANK LTD ADAJAN 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 GSCB0ASCB08 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.

Reaching the branch

The Associate Co Op Bank Ltd Adajan branch sits at 1-2, PANCHVATI SOCIETY, NEAR RAMNAGAR, PALANPUR PATIYA, SURAT. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2762449 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 GSCB0ASCB08 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 – ASSOCIATE CO OP BANK LTD ADAJAN:

• The IFSC is exactly GSCB0ASCB08 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 ASSOCIATE CO OP BANK LTD ADAJAN 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 Associate Co Op Bank Ltd Adajan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0ASCB08, however, work 24x7.

Verifying IFSC GSCB0ASCB08 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 GSCB0ASCB08 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-2762449.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0ASCB08 belongs to The Gujarat State Cooperative Bank Limited's ASSOCIATE CO OP BANK LTD ADAJAN branch, located at 1-2, PANCHVATI SOCIETY, NEAR RAMNAGAR, PALANPUR PATIYA, SURAT in SURAT, 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.