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

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's ASSOCIATE CO OP BANK LTD PUNA KUMBHARIA branch in SURAT, GUJARAT. The branch's IFSC code GSCB0ASCB06 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.

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 PUNA KUMBHARIA branch, the IFSC GSCB0ASCB06 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and ASCB06 identifies this particular branch.

About The Gujarat State Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the Associate Co Op Bank Ltd Puna Kumbharia branch in Surat. 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, GSCB0ASCB06.

Associate Co Op Bank Ltd Puna Kumbharia branch overview

Located at 232, CREATION PLAZA, PUNA GAM ROAD, BEHIND PUNA KUMBHARIA ROAD, SURAT., the Associate Co Op Bank Ltd Puna Kumbharia branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0ASCB06 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 ASSOCIATE CO OP BANK LTD PUNA KUMBHARIA branch came to be assigned the code GSCB0ASCB06.

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 GSCB0ASCB06, money simply cannot be routed to the ASSOCIATE CO OP BANK LTD PUNA KUMBHARIA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Associate Co Op Bank Ltd Puna Kumbharia branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0ASCB06 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 GSCB0ASCB06

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 GSCB0ASCB06 across all three.

How to use IFSC GSCB0ASCB06 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 PUNA KUMBHARIA 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 GSCB0ASCB06.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as ASSOCIATE CO OP BANK LTD PUNA KUMBHARIA.
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 PUNA KUMBHARIA

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 PUNA KUMBHARIA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0ASCB06 while initiating the transfer and the credit will appear within minutes.

IMPS to The Gujarat State Cooperative Bank Limited ASSOCIATE CO OP BANK LTD PUNA KUMBHARIA (IFSC GSCB0ASCB06)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0ASCB06 in your mobile or internet banking app, and the money is credited to the ASSOCIATE CO OP BANK LTD PUNA KUMBHARIA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Associate Co Op Bank Ltd Puna Kumbharia

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 GSCB0ASCB06:

• 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 PUNA KUMBHARIA is still linked to IFSC GSCB0ASCB06.

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 PUNA KUMBHARIA branch, the IFSC GSCB0ASCB06 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 Puna Kumbharia branch is mapped to IFSC GSCB0ASCB06 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 GSCB0ASCB06.

Banking services available

The Associate Co Op Bank Ltd Puna Kumbharia branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2855343.

• 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 GSCB0ASCB06

Digital banking channels

Most day-to-day work that customers used to do at the Associate Co Op Bank Ltd Puna Kumbharia 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 GSCB0ASCB06 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 Associate Co Op Bank Ltd Puna Kumbharia branch

The branch is located at 232, CREATION PLAZA, PUNA GAM ROAD, BEHIND PUNA KUMBHARIA ROAD, SURAT., which puts it inside Surat, the broader Surat 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 Associate Co Op Bank Ltd Puna Kumbharia branch” — the verified location pin for IFSC GSCB0ASCB06 should appear at the top of the results.
2. Confirm the branch is open by calling 261-2855343 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 GSCB0ASCB06 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 PUNA KUMBHARIA:

• The IFSC is exactly GSCB0ASCB06 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 PUNA KUMBHARIA 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 Puna Kumbharia branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0ASCB06, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0ASCB06 for The Gujarat State Cooperative Bank Limited – ASSOCIATE CO OP BANK LTD PUNA KUMBHARIA, 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 GSCB0ASCB06 belongs to The Gujarat State Cooperative Bank Limited's ASSOCIATE CO OP BANK LTD PUNA KUMBHARIA branch, located at 232, CREATION PLAZA, PUNA GAM ROAD, BEHIND PUNA KUMBHARIA ROAD, 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.